Domestic lounge access
2 complimentary domestic airport lounge visits per year under the current programme.
HSBC Bank
HSBC Live+ Credit Card
A lifestyle cashback card combining 10% category cashback, lounge access and a low forex markup.
VisaPremiumCashbackLifestyle
Best forUrban spenders with regular dining, grocery, shopping and food-delivery expenses who also value occasional travel perks.
- Annual fee
- ₹999Waived at ₹2 lakh annual spend
- Base cashback
- 1.5%
- Forex markup
- 1.99%
- Lounge access
- Available
Credofly Verdict
Is this card a good fit?
HSBC Live+ combines strong lifestyle cashback with unusually useful travel features for its fee level. The 10% headline return is capped, but the 1.5% base cashback, 1.99% forex rate and domestic/international lounge access make it more rounded than a typical cashback card.
What works well
- 10% cashback on key lifestyle categories
- 1.5% base cashback on eligible spends
- 1.99% forex markup
- Domestic and international lounge access
- ₹2 lakh annual-fee waiver threshold
Consider before applying
- 10% accelerated cashback is capped at ₹1,200 per month
- Category and MCC exclusions apply
- ₹999 annual fee unless waived
- Best suited to HSBC's eligible serviceable locations
Rewards
How rewards work
- Reward type
- Cashback
- Base reward rate
- 1.5%
- Expiry
- Not applicable — cashback is credited automatically
Key limits & thresholds
- Earn 10% cashback on eligible dining, food delivery, grocery, shopping and utility spends, subject to a combined ₹1,200 cashback cap per month for the accelerated categories.
Base rewards
Earn 1.5% cashback on eligible spends outside the accelerated cashback categories.
Accelerated rewards
Earn 10% cashback on eligible dining, food delivery, grocery, shopping and utility spends, subject to a combined ₹1,200 cashback cap per month for the accelerated categories.
Redeeming rewards
Cashback is automatically credited to the card account under HSBC's cashback programme; no points conversion is required.
Reward exclusions
FuelRentInsuranceCash AdvanceOther
Current programme exclusions include specified fuel, rent/property, insurance, cash withdrawal, credit repayment and toll transactions. Merchant-category rules apply.
Benefits
Travel and lifestyle privileges
International lounge access
1 complimentary international airport lounge visit per year under the current programme.
Other benefits
MoviesDiningConciergeHotel BenefitsAirport Services
- Live+ Reserve dining and lifestyle privileges.
- Eligible Visa premium travel/hotel privileges.
- Concierge privileges under the current card programme.
- Eligible cinema offers subject to current partner terms.
Fees & Charges
What the card costs
- Joining fee
- ₹999
- Annual fee
- ₹999
- Forex markup
- 1.99%
- Annual-fee waiver spend
- ₹2 lakh
Annual-fee waiver
Annual fee is waived when the applicable annual spend requirement of more than ₹2 lakh is met under current HSBC terms.
Eligibility & Application
Before you apply
- Application channel
- Online
- Minimum salaried income
- ₹6 lakh / year
- Minimum self-employed income / ITR
- ₹12 lakh / year
- Age
- 18–65 years
Resident Indian applicants in eligible HSBC locations. Salaried applicants: 18–65 years with at least ₹6 lakh annual income. Self-employed applicants: 25–65 years with at least ₹12 lakh annual income. Final approval remains subject to HSBC assessment.
Check eligibility ↗Credofly Review
The detailed view
HSBC Live+ is more than a conventional cashback card. Dining, food delivery, grocery, shopping and utility spending can earn strong accelerated cashback, while the 1.5% base rate provides a reasonable return elsewhere.
The combination of 1.99% forex markup and both domestic and international lounge access makes Live+ particularly interesting for users who want one lifestyle card that can also handle occasional travel. The main limitation is the monthly cap on accelerated cashback.
Frequently Asked Questions
Answers before applying
What is the annual fee for HSBC Live+ Credit Card?
The annual fee is ₹999.
Can the annual fee be waived?
Yes. The annual fee can be waived on annual spending of ₹2 lakh.
What forex markup does this card charge?
The forex markup is 1.99%.
How does this card earn cashback?
Earn 1.5% cashback on eligible spends outside the accelerated cashback categories. Earn 10% cashback on eligible dining, food delivery, grocery, shopping and utility spends, subject to a combined ₹1,200 cashback cap per month for the accelerated categories.
Does this card include airport lounge access?
Domestic lounge access is included. International lounge access is included.
Who can apply for this card?
Resident Indian applicants in eligible HSBC locations. Salaried applicants: 18–65 years with at least ₹6 lakh annual income. Self-employed applicants: 25–65 years with at least ₹12 lakh annual income. Final approval remains subject to HSBC assessment.
Is this card currently open for applications?
Applications are currently open.
