HSBC Bank credit card

HSBC Live+ Credit Card

Up to 10% cashback on dining, food delivery and groceries

VisaCashbackCashback

Apply now

Credofly overview

Is HSBC Live+ Credit Card right for you?

The HSBC Live+ Credit Card offers generous cashback on daily essentials and additional lifestyle benefits, making it a valuable addition to your wallet for everyday spending.

Best forOffline Shopping, Online Shopping, Dining, Grocery, and Food Delivery

Annual fee₹999 + GST

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

Forex markup3.5% + GST

Earn 10% cashback (up to ₹1,000 per month) on dining, food delivery, and grocery spends. Additionally, earn 1.5% unlimited cashback on other eligible spends.

What it costs

Fees & charges

Joining fee₹999 + GST

Annual fee₹999 + GST

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

Forex markup3.5% + GST

Fuel surcharge1% fuel surcharge applicable

Reward redemption feeNil

Late payment fee₹250–₹1,200 based on outstanding balance

Interest rate3.75% per month (45% per annum)

Cash advance2.5% of the amount withdrawn or ₹500, whichever is higher

Earning & redeeming

Rewards, made clear

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 you can redeem

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

Reward exclusions to know

EMI Transactions, Utilities, Insurance, Wallet, Rent, Education, Fuel, Government Spends, Tax Payments, and Jewelry

Cashback is not applicable on specific categories including fuel, wallet loads, rent payments, education fees, government transactions, insurance, jewelry, gambling, charity, and utilities.

Beyond rewards

Benefits that matter

Welcome offer

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.

Milestone benefits

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

Renewal benefits

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

Card benefits

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)

Lifestyle & travel

lounge domestic, dining benefits

Our independent 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.

Bottom line

The HSBC Live+ Credit Card is an excellent choice for individuals who frequently spend on dining, groceries, and food delivery. Its high cashback rates in these categories, combined with lifestyle benefits like lounge access and dining discounts, offer substantial value. While the annual fee is ₹999, it can be waived with annual spends of ₹2,00,000, making it a cost-effective option for regular spenders.

Why we like it

The HSBC Live+ Credit Card stands out for its high cashback rates on everyday essentials like dining and groceries. Coupled with lifestyle perks such as lounge access and dining discounts, it offers substantial value for regular spenders.

Strengths

10% cashback on dining, food delivery, and groceries
1.5% unlimited cashback on other eligible spends
Complimentary domestic lounge access and dining discounts

Watch-outs

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

Before you apply

Eligibility & application

Eligibility

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

How to apply

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.

Your questions answered

FAQs

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.

From cardholders

User reviews

5.0

No Title

11/07/2025

Credofly