HSBC Live+ Credit Card

At a glance

Should you consider this card?

Spend Category	Cashback Rate	Notes
Dining, Food Delivery, Groceries	10% (capped at ₹1,000/month)	Accelerated cashback on essential categories
Other Eligible Spends	1.5% (unlimited)	Applies to most other spends excluding specified categories

Annual fee₹999 + GST

Joining fee₹999 + GST

Forex markup3.5% + GST

Welcome benefit

Get ₹1,000 cashback when you download and log on to the HSBC India app and spend ₹20,000 within 30 days of getting the card. HSBC also lists activation and online-application offers that may be time-limited; see current official terms before applying.

Earning and using rewards

Rewards that matter

How you earn

10% cashback on dining, food delivery, and grocery spends (capped at ₹1,000 per month)
1.5% unlimited cashback on other eligible spends
Cashback credited within 45 days of the statement date

How to redeem

Cashback is automatically credited to the credit card account within 45 days of the statement date.

Renewal benefit

Annual fee waived on spending ₹2,00,000 in a year

Spend thresholds

Milestone benefits

Annual fee waiver on spending ₹2,00,000 in a year

Cost and conditions

Fees and charges

Joining fee	₹999 + GST
Annual fee	₹999 + GST
Forex markup	3.5% + GST
Fuel surcharge	1% fuel surcharge applicable
Reward redemption	Nil
Interest rate	3.75% per month (45% per annum)
Cash advance	2.5% of the amount withdrawn or ₹500, whichever is higher
Late payment	₹250–₹1,200 based on outstanding balance

Annual fee waived on spending ₹2,00,000 in a year

What works well

10% cashback on dining, food delivery, and groceries

1.5% unlimited cashback on other eligible spends

Complimentary domestic lounge access and dining discounts

Consider before applying

Cashback on dining, food delivery, and groceries capped at ₹1,000 per month

No cashback on fuel, rent, wallet loads, and certain other categories

Annual fee of ₹999 if annual spend is below ₹2,00,000

Travel, insurance and more

Benefits and privileges

4 complimentary domestic airport lounge visits per year (one per quarter)
Up to 15% discount on dining bills at 200+ partner restaurants via Live+ Dining Programme
Buy One Get One movie ticket offer on BookMyShow on Saturdays (max free ticket value: ₹250)

Before you apply

Eligibility and application

Who may be eligible

Age: 18–65 years
Minimum annual income: ₹4,00,000 for salaried individuals
Indian resident residing in select cities including Bengaluru, Mumbai, Delhi NCR, Chennai, Hyderabad, Pune, Noida, and others

Application process

Apply online via Credofly in just 2 minutes:

👉 Apply Now via Credofly

Complete the form, upload documents, and finish Video KYC. Your card will be approved and delivered within 5–7 business days.

Check eligibility with HSBC Bank ↗

Our take

Credofly review

With its focus on high cashback rates for essential spending categories and added perks like lounge access and dining discounts, the HSBC Live+ Credit Card is a strong contender for individuals seeking value in their everyday transactions.

Answers before applying

Frequently asked questions

What is the cashback rate on dining, groceries, and food delivery?

You earn 10% cashback on these spends, capped at ₹1,000 per month. Eligible merchants include popular platforms and offline grocery stores.

What is the cashback rate on all other spends?

You earn 1.5% unlimited cashback on all other eligible spends (excluding fuel, rent, wallet loads, etc.).

When and how is cashback credited?

Cashback is automatically credited to your card account within 45 days of the statement generation date.

What spends are excluded from cashback?

No cashback is provided on fuel, rent, wallet loads, education, insurance, government services, utilities, jewelry, and gambling.

Is there a fee waiver and how can I get it?

Yes. The ₹999 + GST annual fee is waived if you spend ₹2,00,000 or more in the card anniversary year.

Does this card offer airport lounge access?

Yes, it offers 4 complimentary domestic airport lounge visits per year (1 per quarter).

Are there any welcome benefits?

Yes. Get ₹1,000 cashback on ₹20,000 spend in the first 30 days + ₹100 Amazon voucher for completing video KYC.

Is this a good cashback card for daily use?

Yes. With 10% on essentials and 1.5% on all other spends, this card is ideal for frequent spenders who want cashback + lifestyle perks.

Fees, rewards, availability and eligibility can change. Verify the issuer’s current terms before applying. Record last verified: 0000-00-00. View issuer source ↗