Who says you can’t have it all? With our HSBC Live plus Credit Card, you can spend on all the things you love… and earn cashback towards the things you’ve got your eye on.
Key Highlights
✔ 10% Cashback on Dining, Grocery & Food Delivery (up to ₹1,000/month)
✔ 1.5% Unlimited Cashback on all other spends
✔ 15% Discount at 200+ partner restaurants
✔ 4 Complimentary Domestic Lounge Visits per year
✔ Annual Fee Waiver on spends of ₹2 Lakh+
Why Choose HSBC Live plus Credit Card?
💰 Cashback Benefits
| Category | Cashback | Monthly Cap |
|---|---|---|
| Dining, Grocery, Food Delivery | 10% | ₹1,000 |
| All Other Spends | 1.5% | Unlimited |
❌ Exclusions: Utility bills, fuel, rent, insurance, EMI, wallet loads, etc.
🍽️ Dining Perks
- 15% off at 200+ premium restaurants via Live+ Dining Programme
- No brand restrictions (unlike Swiggy HDFC Card)
✈️ Travel & Lifestyle
- 4 free domestic lounge accesses/year (1 per quarter)
- Global acceptance (3.5% forex markup fee applies)
💳 Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹999 + taxes |
| Annual Fee | ₹999 + taxes (Waived if annual spends ≥ ₹2L) |
| Late Payment Fee | Min. ₹250 – Max. ₹1,200 |
Savings Calculator
Calculate your yearly savings based on spends:
💸 Annual Spend: ₹1,00,000
- Cashback Earned: ₹546
- Milestone Benefits: ₹560
- Total Savings: ₹1,106
(Joining Fee: ₹999, but waived if eligible)
Pros & Cons
✅ Pros
- High 10% cashback on dining, groceries & food delivery
- No brand restrictions (unlike Swiggy HDFC)
- Easy redemption (auto credit to statement)
- Low annual waiver condition (₹2L spends)
❌ Cons
- ₹1,000 monthly cap on 10% cashback
- No rewards on utility, fuel, rent, etc.
- Limited travel benefits (only lounge access)
Who Should Get This Card?
✔ Foodies & frequent diners
✔ Grocery & online food shoppers
✔ Those who prefer cashback over reward points
🚫 Skip if: You want travel rewards, fuel surcharge waiver, or higher cashback caps.
Alternatives to Consider
🔹 SBI Cashback Card – 5% on all online spends (₹5,000/month cap)
🔹 Swiggy HDFC Card – 10% cashback (but only on Swiggy)
🔹 IndusInd EazyDiner – Discounts on fine dining
Final Verdict
HSBC Live+ is great for food lovers but lacks in travel & utility rewards. If you spend heavily on dining & groceries, it’s a solid pick. Otherwise, explore SBI Cashback or premium travel cards.
📌 Apply Now & Enjoy Exclusive Cashback!
🔍 Additional FAQs for HSBC Live plus Credit Card
1. What is the minimum salary required to apply for the HSBC Live+ Credit Card?
Answer:
HSBC typically requires a minimum annual income of ₹6 lakhs for premium credit cards like Live+. However, eligibility also depends on credit score (750+ recommended) and existing banking relationship with HSBC.
2. Does HSBC Live Plus Credit Card offer fuel surcharge waiver?
Answer:
No, the HSBC Live Plus Credit Card does not provide fuel surcharge waivers. Fuel transactions are excluded from cashback earnings.
3. How to redeem cashback earned on the HSBC Live Plus Credit Card?
Answer:
Cashback is automatically credited to your card statement within 45 days of the statement generation date. No manual redemption is needed.
4. Is there a joining fee waiver for the HSBC Live+ Credit Card?
Answer:
No, the joining fee of ₹999 + taxes is mandatory. However, the annual fee is waived if you spend ₹2 lakh or more in a year.
5. Can I get an add-on card for family members? What are the benefits?
Answer:
Yes, you can request add-on cards for family. Add-on users:
✔ Earn separate cashback on their spends.
✔ Get individual ₹1,000 activation bonus.
✔ Enjoy shared lounge access benefits.
6. What is the interest rate (APR) on HSBC Live+ Credit Card?
Answer:
The annual percentage rate (APR) is 45% (3.75% monthly) on unpaid balances. Always pay your bill in full to avoid interest.
7. Are there any hidden charges on the HSBC Live+ Credit Card?
Answer:
No hidden fees, but be aware of:
- Late payment fee: ₹250–₹1,200
- Forex markup fee: 3.5%
- Cash advance fee: 2.5% (min ₹500)
8. How does the HSBC Live Plus Credit Card compare to SBI Cashback Card?
Answer:
| Feature | HSBC Live+ Card | SBI Cashback Card |
|---|---|---|
| Cashback Rate | 10% (dining/groceries) | 5% (all online spends) |
| Monthly Cap | ₹1,000 | ₹5,000 |
| Annual Fee | ₹999 (waivable) | ₹999 (waivable) |
| Best For | Foodies & diners | Online shoppers |
9. Can I upgrade my existing HSBC credit card to Live+?
Answer:
Yes, existing HSBC cardholders can request an upgrade via net banking or customer care. Eligibility depends on spending history and credit profile.
10. What happens if I don’t meet the ₹2 lakh annual spend for fee waiver?
Answer:
If you fail to spend ₹2 lakh in a year:
- The annual fee of ₹999 + taxes will be charged.
- You can still retain the card if benefits outweigh the fee.
❓ Is HSBC Live Plus Credit Card the best dining credit card?
It’s good, but compare with Swiggy HDFC & EazyDiner for best fit.
❓ Can I use it abroad?
Yes, but with a 3.5% forex fee.
