HSBC Live+ Credit Card

Key Features & Benefits

All You Need to Know About: HSBC Live+ Credit Card

The HSBC Live+ Credit Card is a cashback-focused credit card issued by HSBC Bank India, operating on the Visa network. It charges a joining fee and an annual fee of ₹999 each, plus applicable GST, with the annual fee waived for spends above ₹2,00,000 in a membership year. The card offers a credit-free period of up to 45 days, and interest is charged at 3.75% per month (45% per annum) on outstanding balances. International transactions incur a foreign currency markup fee of 3.5%.

Cardholders receive a warm welcome with ₹1,000 cashback when they spend ₹20,000 within the first 30 days using HSBC’s mobile banking app, alongside an additional ₹250 Amazon eGift Voucher for completing the application and video KYC online. The card rewards daily essentials with 10% cashback on dining, groceries, and food delivery, capped at ₹1,000 per statement cycle, and unlimited 1.5% cashback on most other retail spends. However, cashback exclusions include fuel, insurance, rent, government payments, and more.

Additional perks enrich the everyday lifestyle, including four complimentary domestic airport lounge visits annually, buy 2 get 1 free movie offers on Saturdays via BookMyShow, and dining discounts through the HSBC Live+ Dining Programme. The card also provides up to ₹3,00,000 insurance cover against misuse and convenient auto-crediting of cashback within 45 days of billing.

Ideal for salaried professionals with a minimum annual income of ₹4,00,000 residing in select cities, the card suits those prioritizing cashback on groceries and dining. The fee structure and rewards make it a practical choice for moderate to heavy spenders seeking straightforward savings and enriched lifestyle benefits. HSBC Live+ stands out for its generous cashback on key consumption areas combined with travel and entertainment perks, all delivered through an easy-to-understand rewards system.

This credit card is best considered by users seeking simple, high-value cashback rewards paired with useful lifestyle privileges in India’s major metro cities. It is less optimal for self-employed or business persons unless linked with specific HSBC saving account criteria. Cashback is credited automatically, avoiding hassle and ensuring tangible value with every spend.

Pros & Cons

How to Apply

1. Visit the official HSBC India credit card page for Live+ or go to a trusted partner site.

2. Fill in your personal, income, and contact details in the online application form.

3. Complete the Video KYC (VKYC) process for identity verification quickly and securely.

4. Submit the form and wait for approval; once approved, the card will be delivered within 7-10 business days.

Detailed Fee Structure

The HSBC Live+ Credit Card comes with a joining fee of ₹999 plus GST and an annual fee of ₹999 plus GST, which is waived if you spend over ₹2,00,000 in a year. The card offers a credit-free period of up to 45 days, after which interest is charged at 3.75% per month (45% per annum) on outstanding balances. A foreign currency markup fee of 3.5% applies to international transactions.

Additional charges include a late payment fee ranging from ₹250 to ₹1,200, cash advance fees of 2.5% (minimum ₹500), and bounced cheque charges of ₹500. Overlimit fees apply at 2.5% of the overlimit amount or ₹500, whichever is higher, plus applicable GST. Cash payments at HSBC branches incur a ₹100 fee, and rental payments attract a 1% processing fee plus taxes. These transparent details help avoid surprises and manage card usage effectively

Who Should Get This Card?

This card is best for middle-class and emerging affluent individuals in India who spend regularly on dining, groceries, and food delivery. It’s ideal for salaried professionals seeking straightforward cashback rewards on essential everyday expenses. Food lovers and lifestyle-focused spenders will find the 10% cashback and dining discounts valuable. It also suits travelers who want occasional domestic lounge access without a premium price. However, it’s less suited for self-employed or business persons due to its income eligibility criteria and limited benefits in some categories.

Alternatives & Competitor Comparison

Feature	HSBC Live+ Credit Card	Hdfc Millenia Card
Card Image
Card Network	Visa	Mastercard, Visa
USP	The HSBC Live+ Credit Card offers up to 10% cashback on dining, groceries, and food delivery, plus unlimited 1.5% cashback on other retail spends, making it a great choice for everyday essentials and food lovers, with added perks like domestic lounge access and attractive welcome benefits.	The HDFC Millennia Card offers premium cashback rewards on top online merchants, fuel surcharge waivers, and generous domestic lounge access, making it ideal for millennials and savvy online shoppers seeking maximum lifestyle and travel benefits.
Annual Fee	999 plus GST	1000 + Applicable Taxes
Joining Fee	999 plus GST	1000 + Applicable Taxes
Welcome Benefits	Get ₹1,000 cashback on spending ₹20,000 within the first 30 days plus a ₹250 Amazon eGift Voucher on online application with video verification.	1000 bonus Cashpoints credited on payment of joining fee, redeemable against statement credit or rewards
Lounge Access	Domestic: 1 per quarter	Domestic: 2 per quarter | International: 2 per quarter On spends of ₹1,00,000+ in the last 3 months
Reward Rate	Earn 10% cashback on dining, groceries, and food delivery (up to ₹1,000/month), and unlimited 1.5% cashback on all other retail spends excluding select categories	Get 5% cashback on Amazon, Flipkart, Swiggy, Zomato, Uber, and select partners (capped at ₹1,000/month) and 1% cashback on other spends (also capped at ₹1,000/month)
Interest Rate	3.75% per month (45% per annum)	Approximately 3.6% per month (43.2% per annum) on revolving credit and cash advances
Best For	Dinning, Food Ordering	Online Shopping
Apply Now	Apply Now	Apply Now

Frequently Asked Questions