HSBC Live+ Credit Card
The HSBC Live+ Credit Card (formerly HSBC Cashback) provides 10% accelerated cashback on dining, food delivery (Swiggy, Zomato), groceries, and entertainment (capped at ₹1,200/month), plus 1.5% unlimited cashback on other retail spends.
Cashback Fit Score
95/100
Joining Fee
₹999
Annual Fee
₹999
Reward Rate (%)
1.5 – 10
Statement credit
Forex Markup
1.99%
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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
12/20
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
₹1,200
Monthly cap
₹1,200
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 statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
HSBC Live+ Credit Card Lounge Access
Airport perks included with this card
2 per year
Domestic lounge visits
1 per year
International lounge visits
Things to Keep in Mind
- 10% cashback capped at ₹1,200/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
- 10% accelerated cashback on dining, Swiggy, Zomato, and grocery purchases (up to ₹1,200/month)
- 1.5% unlimited flat cashback on all other eligible retail spending
- Complimentary domestic lounge access (2 visits/year, 1 per half-year) plus 1 international lounge visit per year
- Reasonable ₹2 lakh annual spend threshold for 100% annual fee waiver
- Direct automatic statement cashback credit every billing cycle
- Welcome offer of ₹1,000 cashback on ₹25,000 spend in first 30 days
- 10% cashback capped at ₹1,200 per month across all accelerated categories combined
- Domestic lounge visits restricted to maximum 1 per calendar half-year
- Cashback excluded on fuel, wallet reloads, rent payments, and government transactions
- High 3.5% foreign currency markup fee
- Serviceable primarily in major metro and tier-1 Indian cities
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 7 Sept 2026
Calculate your exact earnings with HSBC Live+ Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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