HSBC Live+ Credit Card
Best for dining & grocery cashback. 10% cashback on dining, food delivery, grocery (cap Rs1,200/month); 1.5% unlimited on other spends
Terms as of 2026-09-27 · Checked 28 September 2026HSBC Live+ Credit Card at a glance
Who it suits: Dining & grocery cashback
Rewards & cashback
| Details | |
|---|---|
| How you earn | 10% cashback on dining, food delivery, grocery (cap Rs1,200/month); 1.5% unlimited on other spends |
| Caps & exclusions | 10% capped Rs1,200/month; exclusions apply |
| Welcome benefit | Rs250 Amazon voucher (video KYC), Rs750 voucher on activation, Rs1,000 cashback on Rs25,000 in 30 days |
Yearly reward value at base rate
| Spend | Rewards (base rate) | Net of annual fee + GST |
|---|---|---|
| ₹1,20,000 / year | ₹1,800 | ₹621 |
| ₹3,00,000 / year | ₹4,500 | ₹4,500 |
| ₹6,00,000 / year | ₹9,000 | ₹9,000 |
| ₹12,00,000 / year | ₹18,000 | ₹18,000 |
Base rate only; accelerated categories raise the value, caps and excluded categories (rent, fuel, wallet, utilities etc. on many cards) lower it.
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Airport lounge | 2 domestic + 1 international/year |
| Fuel surcharge | Rs250 cashback on contactless fuel with Rs10,000 quarterly spend |
| Forex markup | 1.99% + 18% GST on the markup |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | ₹999 + GST |
| Annual / renewal fee | ₹999 + GST |
| Fee waiver | Annual spend Rs2 lakh |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Income / criteria | Rs6 lakh p.a. salaried; Rs12 lakh self-employed |
| Age | Salaried 18-65; self-employed 25-65 |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| HDFC Bank Diners Club Black Metal Edition | HDFC Bank | ₹10,000 / ₹10,000 | 3.33% base value | High spenders wanting uncapped-lounge premium card below Infinia |
| Standard Chartered Beyond | Standard Chartered | ₹15,000 / ₹25,000 | 3.33% base value | Affluent Priority Banking clients |
| Kiwi YES Bank RuPay Credit Card (Klick) | YES Bank | Free / Free | 1.50% base value | UPI spends on credit |
| Axis Bank ACE | Axis Bank | ₹499 / ₹499 | 1.50% base value | Flat cashback on all spends plus bill payments via GPay |
| Amazon Pay ICICI Bank | ICICI Bank | Free / Free | 1.00% base value | Amazon Prime shoppers wanting a free, no-cap cashback card |
| HSBC RuPay Cashback | HSBC India | ₹499 / ₹499 | 1.00% base value | UPI + dining cashback; 0% forex promo till 31 Dec 2026 |
Frequently asked questions
What is the annual fee of the HSBC Live+ Credit Card?
Joining fee ₹999 and annual fee ₹999 (plus 18% GST). Annual spend Rs2 lakh.
What rewards does it offer?
10% cashback on dining, food delivery, grocery (cap Rs1,200/month); 1.5% unlimited on other spends Caps/exclusions: 10% capped Rs1,200/month; exclusions apply
Does it give airport lounge access?
2 domestic + 1 international/year
What is the forex markup?
1.99% on international transactions, plus 18% GST on the markup. On ₹1 lakh spent abroad that is about ₹2,348.
Who is eligible?
Rs6 lakh p.a. salaried; Rs12 lakh self-employed. A CIBIL score of 750+ improves approval chances.
Is the HSBC Live+ Credit Card good for me?
Best for: Dining & grocery cashback. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.hsbc.bank.in, 2026-09-27. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on HSBC India’s website before applying. FinancePortal is not affiliated with the issuer.