{"id":4414,"date":"2026-02-03T19:15:00","date_gmt":"2026-02-03T13:45:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=4414"},"modified":"2026-02-03T16:03:56","modified_gmt":"2026-02-03T10:33:56","slug":"hsbc-live-credit-card-review-2026-is-it-the-best-cashback-card-for-dining-and-food-delivery","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/hsbc-live-credit-card-review-2026-is-it-the-best-cashback-card-for-dining-and-food-delivery\/","title":{"rendered":"HSBC Live+ Credit Card Review 2026: Is It the Best Cashback Card for Dining and Food Delivery?"},"content":{"rendered":"\n
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Synopsis:<\/strong> 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.<\/em><\/p>\n<\/blockquote>\n\n\n\n

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.<\/p>

\"scapia<\/a><\/div>\n\n\n\n

HSBC Live+ Credit Card<\/a><\/strong><\/h2>\n\n\n\n
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  • Card type:<\/strong> Cashback Credit Card<\/li>\n<\/ul>\n\n\n\n

    Fees and charges<\/strong><\/h3>\n\n\n\n
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    • Joining\/annual fee:<\/strong> \u20b9 999<\/li>\n\n\n\n
    • Annual fee waiver:<\/strong> \u20b92 lakhs spent in the preceding year.<\/li>\n\n\n\n
    • Interest rate:<\/strong> 3.49% p.m i.e 41.88% p.a<\/li>\n\n\n\n
    • Forex mark-up rate:<\/strong> 3.5%<\/li>\n\n\n\n
    • Cash withdrawal fee:<\/strong> 2.5%<\/li>\n\n\n\n
    • Late payment fee:<\/strong> ranges from \u20b9 100 to \u20b9 1,200.<\/li>\n<\/ul>\n\n\n\n

      Key features and benefits<\/strong><\/h3>\n\n\n\n
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      • Welcome benefit:<\/strong> Voucher worth \u20b91,000 on spending \u20b9 20,000 using mobile app within the first 30 days.<\/li>\n\n\n\n
      • Food and Groceries benefit:<\/strong> 10% accelerated cashback on all spending on groceries, dining, and food delivery. Maximum \u20b91000, per billing cycle.<\/li>\n\n\n\n
      • Cashback benefit:<\/strong> 1.5% unlimited cashback on all spending.<\/li>\n\n\n\n
      • Lounge benefit:<\/strong> 4 domestic lounges per year for free. Maximum 1 free lounge visit per quarter.<\/li>\n\n\n\n
      • Zero Lost Card Liability:<\/strong> The cardholder won\u2019t be held responsible for the misuse of the card after the card is reported as stolen.<\/li>\n<\/ul>\n\n\n\n

        Rewards structure<\/strong><\/h3>\n\n\n\n

        A percentage of the amount spent is credited back to the cardholder’s credit card account.<\/p>\n\n\n\n

        Reward redemption process<\/strong>:<\/p>