HSBC Live+ Credit Card
HSBC Bank
Last updated: Dec 05, 2025
₹999
₹999
3.5%
4 visits/yr
Contents
HSBC Live+ is a straightforward cashback credit card aimed at everyday spenders who prioritise savings on groceries, dining and food delivery. It offers a generous 10% accelerated cashback on groceries, dining and food delivery (capped at ₹1,000 per month) plus 1.5% unlimited cashback on most other eligible spends. The card also includes 4 complimentary domestic lounge visits a year and an easy annual fee waiver when you cross ₹2,00,000 annual spends.
Features of HSBC Live+ Credit Card which makes it unique
Live+ Dining Programme
Curated dining discounts and region-specific offers across Asia
Extra savings on dining beyond cashback
Broader offline dining partner network than many category-specific app cards
Straightforward Cashback
Simple 10% accelerated + 1.5% unlimited structure
Easy to understand and redeem cashback (credited to statement)
Cleaner than complex points-to-merchant programs
Rewards Structure of HSBC Live+ Credit Card
Dining
acceleratedDining at restaurants and food delivery
Applies to dining and food delivery spends; check T&C for exclusions.
Groceries
acceleratedGrocery purchases (online & offline)
Combined cap across dining, food delivery and groceries.
Base Cashback
baseMost other eligible retail and online spends
Certain categories such as utilities, wallet loads and card payments may be excluded — refer to T&C.
Milestones of HSBC Live+ Credit Card
Annual Fee Waiver
₹200,000 : Waiver of ₹999 annual fee for the primary card in that financial year
Fees & Charges of HSBC Live+ Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹999 |
| Annual Fee | ₹999 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 0 |
| Late Payment Fee | 0% |
| Over Limit Fee | 0 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:Annual fee waived if primary cardholder's annual spends exceed ₹200,000 in the financial year.
Fee Explanation Fees follow HSBC tariff sheet and are subject to applicable taxes. Finance charges apply on extended credit and cash advances as per the card T&C. | Late payment fee details: 100% of Minimum Payment Due (MPD); minimum ₹250, maximum ₹1,200 per month.
Lounge Access Benefits with HSBC Live+ Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
Complimentary domestic airport lounge access for primary cardholder (one per quarter).
Additional Features of HSBC Live+ Credit Card
Contactless Payments
Tap-to-pay enabled on contactless terminals
NA
Add-on Cards
Add-on cards available; joining/annual fees for add-ons generally NIL
Activate via HSBC App
Primary and supplementary cards can be activated instantly in the HSBC India mobile app
Welcome Bonus with HSBC Live+ Credit Card
Welcome Bonus: ₹1,000 cashback
Bonus Conditions: New cardholders only — download & log in to HSBC India mobile app and spend ₹20,000 within 30 days to get ₹1,000 cashback. Complete online application + Video KYC to receive ₹250 Amazon e-gift voucher. T&Cs apply.
Application Process for HSBC Live+ Credit Card
Processing Time
Card typically dispatched within 5–7 business days after approval; cashback credited within up to 45 days of statement date.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via HSBC India or Finanjo portal and complete application.
Upload KYC & income documents (or complete Video KYC / VKYC).
HSBC performs eligibility checks and verification call if needed.
Card issued and typically dispatched within 5–7 business days after approval.
Required Documents for HSBC Live+ Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
HSBC Live+ Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India at Visa-accepting merchants.
International Acceptance
Accepted globally at Visa merchant locations; foreign transaction charges apply.
Online Acceptance
Yes — usable for e-commerce and bill payments where Visa is accepted (subject to exclusions).
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for HSBC Live+ Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian resident
Income Requirements
Salaried Applicants
₹50,000
Minimum annual income
Self-Employed Applicants
₹60,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and identity/address proof required. Residency in eligible cities (e.g., Chennai, Delhi NCR, Mumbai, Bengaluru, Hyderabad, Pune, Kolkata, Ahmedabad, Jaipur, Kochi, Coimbatore) may be required per HSBC eligibility rules.
How Approval Is Decided
- Indian resident aged 18–65
- Minimum salaried income ~₹600,000 per year (city/residency conditions apply)
- Credit score typically 700+ for a higher chance of approval
Pros of HSBC Live+ Credit Card
- Very strong accelerated cashback (10%) for everyday essentials.
- Simple rewards model (cashback credited to card) — easy tracking and redemption.
- Low fee and a clear, realistic annual-fee waiver threshold.
Cons of HSBC Live+ Credit Card
- 10% cashback is capped at ₹1,000 per month across accelerated categories.
- Foreign-transaction markup of 3.5% is higher than some travel-focused cards.
- No explicit premium travel insurance or international lounge access included.
Frequently Asked Questions about HSBC Live+ Credit Card
Is there a joining or annual fee for HSBC Live+?
Yes — joining fee ₹999 and annual fee ₹999. Annual fee is waived if you spend more than ₹200,000 in a year. (See HSBC tariff sheet).
What are the cashback rates and caps?
Get 10% cashback on dining, food delivery and groceries (capped at ₹1,000 per month across these categories) and 1.5% unlimited cashback on most other eligible spends. Exclusions apply as per T&C.
How long until cashback is credited?
Cashback earned is normally credited to the credit card account within 45 days of the card statement date.
What is the foreign currency markup?
Foreign-currency transactions carry a conversion markup of 3.5% (plus taxes).
How many airport lounge visits are included?
You receive 4 complimentary domestic airport lounge visits per year (one per quarter) for the primary cardholder.
Who is eligible to apply for HSBC Live+?
HSBC requires applicants to be Indian residents aged 18–65, salaried applicants typically need a minimum annual income of around ₹600,000 (approx. ₹50,000/month). Additional residency/branch-city requirements may apply.
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