What if every food bill of yours gives you a 10% cashback? You may purchase groceries online/offline, dine at a restaurant or order food delivery at home. The HSBC Live+ Credit Card provides a 10% generous cashback on all these categories, over and above any other ongoing offers. So, let us look at the features and benefits of this card and everything else you need to know about it.
HSBC Live+ Credit Card
- 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) “
- Usps:
“10% accelerated cashback, up to INR1,000 a month, on all dining, food delivery and grocery spend “
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Overview Table
| Feature | Details |
|---|---|
| Card Type | Rewards Credit Card |
| Reward Range | 10% cashback on dining, food delivery & groceries 1.5% cashback on other spends |
| Joining Fee | ₹999 + GST |
| Welcome Bonus | ₹1,000 cashback on spending ₹20,000 in first 30 days |
| Renewal Fee | ₹999 + GST |
| Renewal Waiver | Spend ₹2,00,000 in previous year |
| Best For | Cashback on food category |
| USP | 10% cashback + domestic lounge access |
Fees & Benefits
Joining Fee: ₹999 + GST
Welcome Benefit: ₹1,000 cashback on spending ₹20,000 within the first 30 days (after app login).
Renewal Fee: ₹999 + GST
Renewal Waiver: Spend ₹2,00,000 or more in the previous card year to get renewal fee reversed.
Rewards Structure
This is a pure cashback card. There are no reward points to redeem.
| Spend Category | Cashback Rate | Monthly Cap |
|---|---|---|
| Dining | 10% | ₹1,000/month combined |
| Food Delivery (Swiggy, Zomato, etc.) | 10% | ₹1,000/month combined |
| Groceries (online & offline) | 10% | ₹1,000/month combined |
| Other Spends | 1.5% | No cap |
Cashback Credit: Within 45 days of statement generation.
No Cashback On: Fuel, rent, utilities, insurance, jewellery, wallet loading, government payments, tolls, broker fees, charity, gambling, business spends.
Additional Features
- Up to 15% discount at restaurants via HSBC Live+ Dining Programme
- 4 complimentary domestic airport lounge access per year (one per quarter)
- Exclusive offers on dining & lifestyle categories
Dining partner list: Click here
Optimal Use & Break-even Analysis
To maximize benefits:
- Spend ₹10,000/month on dining + groceries + food delivery = ₹1,000 cashback
- You break even on the joining fee in JUST ONE MONTH
- Spend ₹2,00,000 annually → No renewal fee
Stacking Strategy
- Use Swiggy/Zomato promo + 10% HSBC cashback
- Use Amazon Fresh + Amazon Pay cashback + HSBC 10% cashback
- Use BigBasket via Tata Neu → Earn NeuCoins + HSBC cashback
- Book restaurants via EazyDiner → 30–50% discount + 10% HSBC cashback
Tips to Maximise Rewards
- Always hit ₹10,000/month in food + grocery category
- Use PayEazy/EazyDiner for dining bills
- Track category spends in HSBC App
- Use another card for fuel, rent, insurance etc.
Eligibility & Documents
Eligibility
- Indian Resident
- Age: 18–65 years
- Minimum annual salary: ₹4,00,000
- Available only in major cities (Mumbai, Delhi NCR, Bengaluru, Chennai, Hyderabad, Pune, etc.)
- Only salaried individuals eligible (NOT for self-employed currently)
Documents Required
- PAN + Aadhaar / Passport
- Latest 3 months salary slips OR Form 16
- Address proof (bank statement / utility bill)
How to Apply
You can apply:
- Via HSBC India mobile app
- Via HSBC website
- Via branch (in eligible cities)
Expert Verdict
The HSBC Live+ Credit Card is one of the best cashback cards in India for food lovers.
If you spend up to ₹10,000/month on:
- Dining
- Food delivery
- Groceries
→ You will earn ₹1,000 cashback every month (₹12,000/year).
That covers your annual fee and gives REAL savings, not inflated reward points.
If your food spends exceed ₹10,000/month, pair this card with:
- HDFC Swiggy Credit Card for extra Swiggy cashback
- Axis Ace or SBI Cashback for non-food spends
Drawbacks:
- Only for salaried users
- Issued in limited cities
- No points system (pure cashback only)
Final Take: If you spend ₹8,000–₹12,000/month on groceries/dining/food delivery, this card is a no-brainer. For higher spending, combine it with other cards.
FAQs
Q1. How do I get the renewal fee waived?
Spend ₹2,00,000 in the previous year → renewal fee waived automatically.
Q2. Is fuel spend eligible?
No. Fuel, rent, utilities, and insurance payments do not earn cashback.
Q3. When is cashback credited?
Within 45 days from statement generation.
Q4. Can I apply online?
Yes. Apply via HSBC India website or App.
Q5. Are self-employed users eligible?
No. Only salaried individuals in select cities can apply currently.
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