- Joining fee
₹999 + GST
- Annual fee
₹999 + GST
- Best suited for
Travel, Food, Utility Bills
- Reward type
Cashback
Rewards
- Rewards rate
10% Cashback on Dining, Grocery, Shopping, Food Delivery & Utility Bills (up to ₹1,200/Month). 1.5% Unlimited Cashback on All Other Eligible Spends
- Welcome benefits
₹1,000 Cashback on Spending ₹25,000 Within 30 Days + HSBC Mobile App Login. ₹750 Voucher for Amazon Pay, Zomato, or Swiggy on First Transaction of ₹300+ (Limited-Time Visa Offer)
- Reward redemption
Cashback Posted Within 45 Days After Statement Generation
Benefits
- Movie & dining
Buy 1 Get 1 Free on Movie Tickets (Up to ₹200 Off on the Second Ticket)
- Travel
Low Forex Charge for International Spending
- Domestic lounge
2 Free Visits Each Year (One Every Six Months)
- International lounge
One Free Visit Each Year
Fees & charges
- Spend-based waiver
Fee Waiver on Spends of ₹2 Lakh or More
- Rewards redemption fee
Nil
- Foreign currency markup
1.99%
- Interest rates
3.75% Per Month
- Fuel surcharge waiver
No Waiver. 1% Surcharge is Applicable
- Cash advance charges
2.5% (Minimum ₹500)
Product highlights
- 10% Cashback on Dining, Grocery, Shopping, Food Delivery & Utility Bills
- 1.5% Cashback on Most Other Eligible Spends
- Visa Infinite Credit Card with Premium Benefits
- ₹1,000 Welcome Cashback + ₹750 Welcome Voucher (Limited-Time Offer)
- 2 Domestic & 1 International Airport Lounge Visits Every Year
- 1.99% Forex Markup on International Transactions
- The Live+ Reserve Dining & Lifestyle Benefits
Pros & cons
Pros
- Excellent value for money, offering cashback, airport lounge access, Visa Infinite benefits, and premium dining privileges for an annual fee of just ₹999 + GST.
- 10% cashback on utility bill payments (up to ₹1,200 per month), a rare benefit as many cashback cards no longer reward utility spends.
- Automatic cashback credit, so there’s no need to redeem reward points manually.
Cons
- Several spending categories are excluded from cashback, so cardholders should be mindful of the merchant category before making transactions.
- No cashback on international spends, despite the reduced 1.99% forex markup.
FAQs
Is the HSBC Live+ Credit Card worth it in 2026?
Yes. The HSBC Live+ Credit Card is one of the best cashback credit cards for everyday spending in 2026. It offers 10% cashback on dining, groceries, food delivery, shopping, and utility bills (up to ₹1,200 per month), along with airport lounge access, Visa Infinite benefits, and a reduced forex markup of 1.99%.
What is the cashback rate on the HSBC Live+ Credit Card?
The card offers 10% cashback on dining, grocery, shopping, food delivery, and utility spends (up to ₹1,200 per month) and 1.5% unlimited cashback on most other eligible spends. Cashback is automatically credited to the card account within 45 days of the statement date.
Does the HSBC Live+ Credit Card offer airport lounge access?
Yes. The HSBC Live+ Credit Card offers 2 complimentary domestic airport lounge visits per year (one every six months) and 1 complimentary international airport lounge visit annually.
What is the forex markup on the HSBC Live+ Credit Card?
The HSBC Live+ Credit Card charges a 1.99% forex markup fee on international transactions. However, international spends are not eligible for the card’s 1.5% cashback.
What are the eligibility criteria for the HSBC Live+ Credit Card?
Applicants must be Indian residents aged 18–65 years (salaried) or 25–65 years (self-employed). The minimum annual income requirement is ₹6 lakh for salaried individuals, and ₹12 lakh for self-employed individuals, and applicants must reside in one of HSBC’s eligible service cities.