HSBC Live+ Credit Card
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HSBC Bank

HSBC Live+ Credit Card

Visa
Regular

Your rating

Community rating

Best for Food delivery & dining — 10% cashback on Swiggy, Zomato & restaurants

Joining Fee

₹999

Annual Fee

₹999

Reward Rate

1.5% – 10%

Forex Markup

3.5%

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Key Benefits

10% cashback on dining, food delivery, and grocery spends
10% cashback capped at ₹1,000 per billing cycle
Unlimited 1.5% cashback on most other eligible spends
Welcome cashback of ₹1,000 on spending ₹20,000 within 30 days and meeting activation conditions
Activation voucher worth up to ₹750 from select brands
4 complimentary domestic airport lounge visits per year (1 per quarter)
Up to 15% savings at partner restaurants under HSBC's dining program

Rewards

How you earn back on every swipe

cashback

Reward type

1.5% – 10%

Earn rate

₹1,000

Monthly cap

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.

Joining fee₹999
Annual fee₹999
Fee waiver on annual spend₹2,00,000
Interest-free period45 days
Interest rate (APR)45%
Late payment fee (max)₹1,200
Cash advance fee2.5% (min ₹500)
Over-limit fee2.5%
Forex markup3.5%
Fuel surcharge waiverNo

Travel & Lounge Access

Airport perks included with this card

1 per quarter

Domestic lounge visits

0 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

Metal Card
Contactless
UPI Linked

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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Eligibility

Age21+ yrs – 65
Min. income₹50,000/month
CIBIL score750+

Employment type

SalariedSelf employed

Pros & Cons

Pros
  • 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
Cons
  • 10% cashback capped at ₹1,000 per month
  • No international airport lounge access
  • 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

View on bank website

Data last updated 24 Mar 2026

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