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HSBC Live+ Credit Card

Lifestyle cashback card offering 10% cashback on eligible dining, food delivery and grocery spends, plus 1.5% unlimited cashback on most other eligible spends.

10% Dining · 10% Food Delivery · 10% Groceries · ₹999 annual fee

Last verified: 14 Sept 2026. We verify rewards, fees and key terms against issuer sources — terms can change, so confirm current details with the issuer before applying.

Card overview

Card typeCASHBACK
NetworkVisa
StatusACTIVE
Slughsbc-live-plus-credit-card

The key decode

The 10% headline rate isn't unlimited — Dining, Food Delivery, Groceries, Shopping, Utilities share one combined ₹1,200 per month cashback cap. Once that shared cap is used up, those categories stop earning the accelerated rate. Outside accelerated categories, you're generally earning 1.5%.

Rewards

  • 10%
    Cashback
    Dining
    ₹1,200 / monthly cap
  • 10%
    Cashback
    Food Delivery
    ₹1,200 / monthly cap
  • 10%
    Cashback
    Groceries
    ₹1,200 / monthly cap
  • 10%
    Cashback
    Shopping
    ₹1,200 / monthly cap
  • 10%
    Cashback
    Utilities
    ₹1,200 / monthly cap
  • 1.5%
    Cashback
    Other
    10% cashback applies to eligible Shopping spends based on MCC categorisation. Amazon and Flipkart shopping spends earn 1.5% cashback and are excluded from the 10% cashback category. Myntra has a limited-time 10% cashback offer until 31 October 2026; from 1 November 2026, Myntra earns 1.5% cashback.

Fees

JOINING₹999
Joining fee is charged after the first transaction on the card.
ANNUAL₹999
Annual fee is charged at the end of the anniversary year.
Waiver: Annual eligible spend > ₹2,00,000 (HSBC's wording says “exceeds ₹200,000.”)

What doesn't earn rewards

  • Amazon — Amazon shopping spends earn 1.5% cashback and are excluded from the 10% Shopping cashback category.
  • Flipkart — Flipkart shopping spends earn 1.5% cashback and are excluded from the 10% Shopping cashback category.
  • EMI — Instant EMI transactions do not earn cashback and are excluded from the cashback programme.
  • Fuel — Fuel purchases are not included in the 10% accelerated cashback categories. A separate contactless fuel offer may provide ₹250 cashback on ₹10,000 quarterly spend, subject to applicable offer terms.
  • International — International spends do not earn 1.5% cashback under the current HSBC Live+ terms.

Don't just look at the reward rate — look at where the card refuses to pay.

Benefits

  • Complimentary Airport Lounge Visits — 3 complimentary airport lounge visits annually — 2 domestic visits, limited to one usage every 6 calendar months, and 1 international visit effective 1 September 2026.
  • Contactless Fuel Cashback — Get ₹250 cashback on contactless fuel purchases when you spend ₹10,000 per quarter. Offer is subject to applicable terms and conditions. (est. value ₹250)

Eligibility

Salaried
Age18+ up to 60
Minimum income₹6,00,000 / yearly
ResidencyINDIAN RESIDENT
Self-employed
Age25+ up to 65
Minimum income₹12,00,000 / yearly
ResidencyINDIAN RESIDENT

Applicant must reside in Chennai, Gurgaon, Delhi National Capital Region (NCR), Pune, Noida, Hyderabad, Mumbai, Bengaluru, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, Kolkata, Amritsar, Baroda, Indore, Lucknow, Nagpur, Surat or Trivandrum