HSBC Live+ Credit Card
Maximize your everyday spends with HSBC Live+ Credit Card
Network: Visa | Type: Cashback | Reward: Cashback
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Fees & Charges
- Joining Fee: ₹999 + GST
- Annual Fee: ₹999 + GST
- Waiver: Annual fee waived on spending ₹2,00,000 in a year
- Foreign Markup: 3.5% + GST
- Fuel Surcharge: 1% fuel surcharge applicable
- Redemption Fee: Nil
- Late Payment Fee: ₹250–₹1,200 based on outstanding balance
- Interest Rate: 3.75% per month (45% per annum)
- Cash Advance: 2.5% of the amount withdrawn or ₹500, whichever is higher
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.
Rewards & Earnings
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10% cashback on dining, food delivery, and grocery spends (capped at ₹1,000 per month)
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1.5% unlimited cashback on other eligible spends
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Cashback credited within 45 days of the statement date
Cashback is automatically credited to the credit card account within 45 days of the statement date.
Benefits
- Welcome:
₹1,000 cashback on spending ₹20,000 within the first 30 days and logging into the HSBC India Mobile Banking app ₹100 Amazon eGift Voucher upon successful online application and video KYC completion
- Milestone:
Annual fee waiver on spending ₹2,00,000 in a year
- Renewal:
Annual fee waived on spending ₹2,00,000 in a year
- Lifestyle:
lounge domestic, dining benefits
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.
Pros & Cons
✅ Pros
10% cashback on dining, food delivery, and groceries
1.5% unlimited cashback on other eligible spends
Complimentary domestic lounge access and dining discounts
❌ Cons
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
Eligibility & Application
Eligibility:
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Age: 18–65 years
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Minimum annual income: ₹4,00,000 for salaried individuals
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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:
Complete the form, upload documents, and finish Video KYC. Your card will be approved and delivered within 5–7 business days.
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.
User Reviews
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