Synopsis: This article explains in detail the fees and charges, features and benefits, reward structure and reward redemption process of HSBC Live+ Credit Card. It also discusses who is eligible to apply and who should choose this credit card.
The HSBC Live+ Credit Card focuses on cashback to reward daily spending. It is a practical card rather than a high-end rewards option. The goal is to provide real savings on common expenses like dining, groceries, and food delivery. In addition to its higher cashback rates, the card offers standard benefits such as airport lounge access and fee waivers based on how much you spend each year.
HSBC Live+ Credit Card
- Card type: Cashback Credit Card
Fees and charges
- Joining/annual fee: ₹ 999
- Annual fee waiver: ₹2 lakhs spent in the preceding year.
- Interest rate: 3.49% p.m i.e 41.88% p.a
- Forex mark-up rate: 3.5%
- Cash withdrawal fee: 2.5%
- Late payment fee: ranges from ₹ 100 to ₹ 1,200.
Key features and benefits
- Welcome benefit: Voucher worth ₹1,000 on spending ₹ 20,000 using mobile app within the first 30 days.
- Food and Groceries benefit: 10% accelerated cashback on all spending on groceries, dining, and food delivery. Maximum ₹1000, per billing cycle.
- Cashback benefit: 1.5% unlimited cashback on all spending.
- Lounge benefit: 4 domestic lounges per year for free. Maximum 1 free lounge visit per quarter.
- Zero Lost Card Liability: The cardholder won’t be held responsible for the misuse of the card after the card is reported as stolen.
Rewards structure
A percentage of the amount spent is credited back to the cardholder’s credit card account.
Reward redemption process:
Cashback received on transactions will be credited to the credit card within 45 days.
Also Read: Save ₹18,000 Annually: A Detailed Overview of the IDFC Hello Cashback Credit Card (2026)
Eligibility
- Age: 18-65 years old
- Nationality: Indian
- Annual Income: A salary of at least ₹6 lakh per year, for salaried employees.
- Stay in Kolkata, Amritsar, Baroda, Indore, Chennai, Gurgaon, Delhi NCR, Pune, Noida, Hyderabad, Mumbai, Bengaluru, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, or Lucknow.
Who Should Choose this Card?
Get the HSBC Live+ Credit Card if you are an everyday spender who wants straightforward cashback on everyday purchases instead of complex reward points schemes. Its highlight is the 10% cashback on dining, grocery and food delivery capped at ₹1,000 per month and 1.5% unlimited cashback on other transactions.
Such strong cashbacks make it ideal for urban professionals and working individuals who frequently dine out and use food delivery apps. It’s also a good choice for young families, as the 10% cashback is eligible for groceries as well. The card also includes 4 complimentary domestic airport lounge access a year, which is a benefit for occasional travellers.
Conclusion
The HSBC Live+ Credit Card is a great option for people looking for consistent cashback on everyday expenses. It offers a high 10% cashback on dining, groceries, and food delivery, plus unlimited cashback on other purchases.
This card provides real value for regular users in these areas. It also includes perks like free lounge access, a fee waiver for higher annual spending, and easy cashback redemption, which adds to its appeal.
While it may not be the best choice for those wanting premium travel rewards or low foreign exchange fees, it works well as a reliable cashback card for city dwellers and families who appreciate simplicity and savings.
Written by Nila Maria Jacob
