Name: HSBC Live+ Credit Card
Brand: HSBC Bank Ltd
Price: 999 INR
Rating: 4.5 (1 reviews)

HSBC Live+ Credit Card

(

4.5 )

Beginner

Best For: Shopping

From

Approval Rate:

Powered By

The HSBC Live+ Credit Card is designed for individuals seeking substantial cashback rewards on everyday expenditures. Cardholders enjoy 10% accelerated cashback on dining, food delivery, and grocery purchases, capped at INR1,000 per billing cycle. Additionally, the card offers 1.5% unlimited cashback on most other spends, providing consistent rewards across various categories. A notable feature is the inclusion of four complimentary domestic airport lounge visits per year, enhancing travel comfort. The unique selling proposition of this credit card lies in its high cashback rates on essential spending categories, making it an ideal choice for those aiming to maximize returns on routine expenses.

Fees & Charges

Rewards

Features

Tools

Eligibility

Pro's & Cons

Card Details

Type of Card

Cashback

Reward %

1.5 - 10%

Joining Fees

₹

999 Renewal Fees

999 APR

45%

Welcome Benefit

"Get INR1,000 cashback when you download and log on to the HSBC India Mobile Banking app and spend INR20,000 within the first 30 days of getting your card. Plus, get a INR250 Amazon e-gift voucher when you apply for your card online and complete your video KYC (VKYC)."

Renewal Benefits

"Annual fee (waived if you spend more than INR200,000 per year) "

USP's:

"10% accelerated cashback, up to INR1,000 a month, on all dining, food delivery and grocery spend "

Fees & Charges

Joining & Renewal Fees

999

Interest & Charges

Cash Advance Fee: 2.5% of amount withdrawn, or a minimum (₹500), whichever higher

APR: 45% per annum

Forex Fees: 3.5%

Late Payment Fees:

Up to ₹10,000: ₹500

From ₹10,001 to ₹25,000: ₹750

Above ₹25,000: ₹950

Additional Charges

Reward Redemption Fee : 0

Rewards

Regular Cashback on Eligible Spends

Cashback on Dining, Food Delivery and Grocery

Milestone Benefits

None

Exclusions

Business Spends, Charity, Education, Fuel, Gambling, Govt, Jewellery, Rent, Transportation, Utilities, Wallets

Rewards capping

Rewards Validity

3 Years from the date of accural

Redemption modes

Cashback

Additional Features

Lounge Benefits

Domestic Lounge:
1 per Quarter

Insurance Benefits

Other Perks

Eligibility Criteria

Age

18Y

Min

60Y

Max

Credit Score

750 Ex Min

Other: Card-to-card eligibility requirements.

Pros

10% accelerated cashback on dining, food delivery, and grocery purchases (capped at ₹1,000 per billing cycle).

1.5% unlimited cashback on most other spends, ensuring consistent rewards.

Four complimentary domestic airport lounge visits per year, enhancing travel comfort.

No minimum spending requirement to earn cashback, making rewards easily accessible.

Cons

Cashback on 10% accelerated categories is capped, limiting maximum savings potential.

No complimentary international lounge access for frequent travelers.

Foreign currency markup fee of 3.5%, making it less ideal for international transactions.

No reward points or travel miles, as the card focuses solely on cashback.

Terms and Conditions *

HSBC Live+ Credit Card

★★★★★

(4.5)

Best For: Shopping Bank: HSBC Bank Ltd Network: Multiple Network

View Details Apply Now

Category of Card	Reward %	Joining Fees	Welcome Benefits	Renewal Fees	Renewal Benefits	Best For	USP's
Cashback	1.5 - 10%	₹999	“Get INR1,000 cashback when you download and log on to the HSBC India Mobile Banking app...	₹999	“Annual fee (waived if you spend more than INR200,000 per year) “	Shopping	“10% accelerated cashback, up to INR1,000 a month, on all dining, food delivery and groc...

HSBC Platinum Credit Card

★★★★★

(3.1)

Best For: Shopping Bank: HSBC Bank Ltd Network: Visa

View Details Apply Now

Category of Card	Reward %	Joining Fees	Welcome Benefits	Renewal Fees	Renewal Benefits	Best For	USP's
Rewards	0.013	Free	₹500 cashback on spending ₹5,000 Get an Amazon voucher worth Rs.250 by applying for the card o...	Free	-	Shopping	Loan on Phone, Instant EMI

HSBC Premier Metal Credit Card

★★★★★

(4.4)

Best For: Shopping | Travel Bank: HSBC Bank Ltd Network: Mastercard

View Details Apply Now

Category of Card	Reward %	Joining Fees	Welcome Benefits	Renewal Fees	Renewal Benefits	Best For	USP's
Rewards	3%	₹12000	Activate your HSBC Premier Credit Card and get an Epicure membership across Taj hotels and a T...	₹20000	if member of the HSBC premier club	Shopping \| Travel	Enjoy red carpet departures with unlimited airport domestic and international lounge access, p...

HSBC Travel One

★★★★★

(4)

Best For: Travel Bank: HSBC Bank Ltd Network: MasterCard

View Details Apply Now

Category of Card	Reward %	Joining Fees	Welcome Benefits	Renewal Fees	Renewal Benefits	Best For	USP's
Travel	2% -24%	₹4999	Spend ₹10,000 in first 30 days + download & login to HSBC app → ₹1,000 cashback, Postcard ...	₹4999	No Renewal Benefits. Avoid the ₹4,999+GST renewal fee by spending ₹8 Lakhs annually	Travel	Dedicated miles earning and comprehensive travel insurance coverage.