HSBC Live+ Credit Card: Fees, Rewards & Benefits
Dining card with lounge access
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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.
Dining card with lounge access
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.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealHouseholds spending up to ₹10,000/month on dining, grocery and food delivery can max the 10% cashback in ₹1-value rewards.
Earners around ₹6 Lakhs wanting strong everyday food cashback and 4 lounge visits at a ₹999 fee.
Probably not for
SkipWith no cashback on utilities, fuel, rent or insurance and no fuel surcharge waiver, recurring spends earn nothing.
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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Reward Rates
HSBC Live+ offers 1.5% basic reward rate.
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Welcome Offer
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.
Fees & Charges
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
3 data-backed answers from our card database
Ready to apply?
₹999 annual fee. Apply on the HSBC website.
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