HSBC Live+ Credit Card Review

Dining card with lounge access

The HSBC Live+ has a ₹999 annual fee + GST, waived on ₹2,00,000 annual spend. It earns 1.5% back on regular spends and up to 10% on Dining, with 4 domestic airport lounge visits a year. Best for: dining, grocery and food-delivery spenders — our verdict: recommended.

Vyaya Team · Jun 2026

5 min read

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Value Score

9.0 / 10

Annual Fee

₹999

Best For

Food and grocery spender, Mid-tier cashback seeker

Network

Visa

Expert Verdict

A dining-and-grocery cashback card paying 10% (capped at 1,000 points/month) and a 1.5% base in ₹1-value cashback for a ₹999 fee, with 4 lounge visits and BookMyShow BOGO. A long exclusion list and the monthly cap make it a focused food card rather than an all-rounder.

HSBCVisa

HSBC Live+

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REWARD SUMMARY

1.5% Base Rewards
Dining card with lounge access

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The Bottom Line

The HSBC Live+ is built for food and grocery spender and mid-tier cashback seeker. With a ₹999 annual fee that is waived on ₹2,00,000 yearly spend, it offers 10% rewards on dining and 1,000 bonus points. It makes the most sense if your spending matches food and grocery spender and mid-tier cashback seeker.

It earns a base reward rate of 1.5% and stacks best when your spending lines up with Food and grocery spender, Mid-tier cashback seeker. The renewal fee gets easier to justify once you can hit ₹2,00,000 in yearly spend.

What we like

+Cashback is valued at a full ₹1, with a strong 10% (10 per ₹100) on dining, grocery and food delivery, capped at 1,000 points/month.

+Healthy base rate of 1.5% (1.5 per ₹100) on other eligible spends.

+4 complimentary domestic lounge visits per year.

+Moderate ₹999 fee waived on ₹2 Lakh annual spend, accessible at ₹6 Lakh income.

+BookMyShow buy-one-get-one on Saturday movie tickets (up to ₹250 free ticket value).

What we don't

–The 10% accelerated cashback is capped at 1,000 points/month, capping the rich rate at ₹10,000 of category spend.

–Extensive exclusion list – no cashback on fuel (with no surcharge waiver), utilities, rent, tolls, insurance, education or government.

–No international lounge access and a high 3.5% forex markup.

–No milestone benefits beyond the fee waiver.

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal

Food and grocery spender

Households spending up to ₹10,000/month on dining, grocery and food delivery can max the 10% cashback in ₹1-value rewards.

Mid-tier cashback seeker

Earners around ₹6 Lakhs wanting strong everyday food cashback and 4 lounge visits at a ₹999 fee.

Probably not for

Skip

–

Bills and fuel payer

With no cashback on utilities, fuel, rent or insurance and no fuel surcharge waiver, recurring spends earn nothing.

–

International traveller

No international lounge access plus a 3.5% forex markup make it weak for overseas use.

Is It Worth It For You?

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Calculate Your Value

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Reward Rates

HSBC Live+ offers 1.5% basic reward rate.

Quick Calculator

Estimate earnings for a specific purchase

Where

Amount

₹

Dining

10%

Food Delivery

10%

Grocery

10%

Welcome Offer

1,000 Cashback

INR 1,000 cashback on logging in to the HSBC India Mobile Banking app and spending INR 20,000 within the first 30 days of card issuance. Additionally: INR 250 Amazon eGift Voucher on applying online and completing video self-verification; and a voucher worth up to INR 750 (Amazon Pay / Zomato / Swiggy) on card activation with a transaction of INR 300 or more.

Value: ₹1,000

Fees & Charges

Joining fee₹999

Annual fee₹999

Fee waiverSpend > ₹2,00,000

Eligibility

Min Income: ₹12 Lakhs
Min Credit Score: 750
Age 18-65 (salaried) or 25-65 (self-employed); min annual income Rs 6L salaried, Rs 12L self-employed; available in select cities.

Exclusions & Terms

Forex markup

Foreign currency markup

Frequently Asked Questions

8 data-backed answers from our card database

What is the annual fee of the HSBC Live+ credit card?+

The HSBC Live+ has a ₹999 annual fee + GST, waived on ₹2,00,000 annual spend.

What rewards does the HSBC Live+ credit card give?+

It earns 1.5 Cashback per ₹100 spent (about 1.5% back), and up to 10% on Dining.

Does the HSBC Live+ credit card offer airport lounge access?+

Yes — 4 domestic airport lounge visits a year. Check the card's terms for any spend condition before your trip.

What is the eligibility for the HSBC Live+ credit card?+

Minimum annual income of about ₹12 lakh and a credit score of 750+. Age 18-65 (salaried) or 25-65 (self-employed); min annual income Rs 6L salaried, Rs 12L self-employed; available in select cities.

What is the forex markup on the HSBC Live+?+

3.5% + GST on international transactions.

What is the welcome benefit on the HSBC Live+?+

How can I get the HSBC Live+ annual fee waived?+

Spend ₹2,00,000 or more in a card year and the ₹999 renewal fee is waived.

Is the HSBC Live+ credit card worth it?+

Ready to apply?

₹999 annual fee. Apply on the HSBC website.

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