HSBC Live+ Credit Card
Fees
Free
Joining & Annual 1st Year FreeReward Rate
10% cashback on dining, food delivery, grocery, shopping & utility spends (capped ₹1,200/month); 1.5% uncapped on other eligible retail spends
Welcome Bonus
N/A
Lounge Access
2 Domestic/yr + 1 International/yr
FindMyCard Expert Take
HSBC Live+ positions itself as a cashback card for everyday dining and grocery spending, competing with cards like Swiggy HDFC and Cashback SBI. The exact cashback percentages aren't clearly disclosed in the terms we have on file, so if the reward rate is your main reason for choosing this card, it's worth confirming current numbers with HSBC directly.
Pros & Cons
Key Advantages
- 10% cashback on dining, food delivery, grocery, shopping & utility spends
- Unlimited 1.5% cashback on all other eligible retail spends
- Upgraded to Visa Infinite (from July 2026): airport Meet & Assist, complimentary ITC Hotels stays, Avis car rental privileges
- Annual fee waived on ₹2 Lakh yearly spend, effectively free for regular users
Limitations
- Accelerated cashback is capped at ₹1,200 per month
- Lounge access reduced to 2 domestic visits/year (from 4) as of July 2026
- Wallet loads and cash advances are excluded from cashback
Editorial Verdict
The HSBC Live+ Credit Card is ideally suited for everyday spending, food delivery apps, multi-category shopping, and lifestyle cashback. If you want 10% cashback on dining, food delivery, grocery, shopping & utility spends (capped ₹1,200/month); 1.5% uncapped on other eligible retail spends, this card delivers real value. The free is easily offset by the card's perks if you use it regularly. You'll generally need Good (720+) credit to be approved.
Key Perks & Spending Milestones
Accelerated percentage cashback returns on online retail shopping, food delivery applications, and household spends
Earn rewards on eligible day-to-day general merchant expenditures outside of primary exclusions
Direct cashback redemption tracking managed seamlessly inside the bank's mobile banking system
1% fuel surcharge waiver shield protection covering valid domestic petroleum pump transactions
🚀 Milestone Spends Timeline
Unlock spend-based operational fee reversals, milestone points boosts, and specialized merchant coupon credits managed dynamically via the bank's active lifecycle program guidelines
Fees & Charging Rates
Annual Fee Waivers
Free
💡 Governed by standard spend-based milestone thresholds outlined by the bank
Regular Interest Charges
Subject to HSBC standard tiered credit interest rate guidelines
📅 Late Payment Fee Penalty Tiers
Eligibility Criteria
age
21 to 65 years
employment profiles
Salaried and Self-Employed Profiles
Compare HSBC Live+ Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| HSBC Live+ Credit Card This Card | Free | 10% cashback on dining, food delivery, grocery, shopping & utility... | 2 Domestic/yr + 1 International/yr | 4.0/5 |
| Cashback SBI Credit Card | ₹999 + Taxes | 5% cashback on online spends; 1% cashback on offline spends | No Lounge Access | 4.7/5 |
| KIWI UPI RuPay Credit Card | Free | Up to 5% cashback on UPI spends via Kiwi Neon program (1.5% base... | Domestic (Neon Spend Milestones) | 4.7/5 |
| Axis Bank ACE Credit Card | ₹499 + Taxes | 5% cashback on Google Pay utilities; 4% on Swiggy, Zomato & Ola;... | 4 Domestic/yr | 4.6/5 |