HSBC BankHSBC Live+ Credit Card
The HSBC Live+ Credit Card is built for urban lifestyle spenders who order food frequently and dine out.
Top Category Performance
Cashback (95/100)
Joining Fee
₹999
Annual Fee
₹999
Reward Rate (%)
1.5 – 10
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
35/35
Fee Value & ROI
20/25
Lounge & Perks
8/20
Forex & Access
8/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
HSBC Live+ Credit Card Benefits
HSBC Live+ Credit Card Rewards
How you earn back on every swipe
cashback
Reward type
1.5% – 10%
Earn rate
₹1,000
Monthly cap
HSBC Live+ Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
HSBC Live+ Credit Card Lounge Access
Airport perks included with this card
1 per quarter
Domestic lounge visits
1 per year
International lounge visits
Things to Keep in Mind
- 10% cashback capped at ₹1,000/month across all accelerated categories combined
- No cashback on fuel, EMI, wallet loading, rent, government transactions
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹16,667/mo (₹2,00,004/yr), your ₹999 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
HSBC Live+ Credit Card Eligibility
Employment type
Pros & Cons
- One of the best cards for dining and grocery spending
- 10% cashback works on both online and offline spends
- Simple cashback structure with no reward-point tracking
- Unlimited 1.5% cashback on eligible non-food spends
- Reasonable annual fee waiver threshold
- Complimentary domestic lounge access included
- Strong value for Swiggy, Zomato, and grocery users
- Cashback automatically credits without redemption hassles
- 10% cashback capped at ₹1,000 per month
- Forex markup of around 3.5% is high
- Cashback exclusions include categories like rent, fuel, wallet loads, and several utility payments
- Limited travel benefits beyond lounge access
- No milestone rewards for high spenders
- Available only in selected serviceable cities
- Users with low food-related spending may find better value in other cashback cards
Who is this card for?
Urban professionals aged 22–40 who spend ₹10,000+ per month on dining, food delivery, and entertainment. The 10% cashback can easily deliver ₹500–₹1,000 monthly value.
Quick Links
Data last updated 25 Aug 2026
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Calculate your exact earnings with HSBC Live+ Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your guaranteed net return after annual fees.