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
2 Domestic/yr + 1 International/yr
Our 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.
Reward limits
Checked 3 Oct 2026 · Bank terms
-
10% on dining, food delivery, grocery, shopping and utilities
Max ₹1,200 per month
Reached after about ₹12,000 of spend
-
1.5% on other spends (incl. Amazon and Flipkart)
No limit
No rewards on: Fuel, e-wallets, rent, B2B, education, government, insurance, jewellery, gambling, tolls, cash, money transfers, wholesale clubs, hospitals
Where this card earns most
Paying directly in the app or site · 1.5% on other spends
Pros & Cons
Key Advantages
- 10% cashback on dining, food delivery, grocery, utility & shopping spends (shopping category excludes Amazon, Flipkart & Myntra)
- 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
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
Spend milestone
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 & Charges
Joining fee
Free
Annual fee
Free 1st year free
Governed by standard spend-based milestone thresholds outlined by the bank
Interest rate
Subject to HSBC standard tiered credit interest rate guidelines
Late payment fee
Nil for balance up to ₹500; ₹400 for ₹501-₹5,000; ₹600 for ₹5,001-₹10,000; ₹800 for balance above ₹10,000.
Eligibility Criteria
age
21 to 65 years
employment profiles
Salaried and Self-Employed Profiles
Credit score & income
Good (720+)
Frequently Asked Questions
Did HSBC Live+ upgrade its card network tier?
Did HSBC Live+'s lounge access change?
Are all shopping spends eligible for the 10% cashback tier?
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, capped ₹2,000/statement cycle; 1%... | 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 |