The HSBC Live+ Credit Card is accepted worldwide and designed to match your lifestyle. As a cardholder, you can enjoy various benefits, including travel perks, dining discounts, shopping offers, and more. Unlimited cashback is the key feature of HSBC Live+ credit card.
This card can be used domestically and internationally.
Table of Contents
HSBC Live+ Credit Card Highlights
| Feature | Details |
|---|---|
| Issuer | HSBC Bank |
| Network Type | Visa based on paywave technology |
| Card Type | Cash Back |
| Joining Fee | ₹ 999+GST |
| Annual Fee | ₹ 999+GST(Waived on spending ₹ 2 lakh) |
| Joining Fees for add-on cardholder | Nill |
| Joining Benefits | ✔ Get ₹1,000 cashback when you download and load funds on the HSBC Mobile Banking app and spend ₹20,000 within 30 days of card issuance. ✔ ₹250 Amazon e-gift voucher after completing the video KYC |
| Best Suited For | Cashback |
| Reward Rate | 1.5% on retail spend 10% on Dining, Food delivery, and Grocery spending (Max ₹1,000 per statement) |
| Lounge Access | International– N/A Domestic -4 complimentary lounge access, one per quarter |
| Fuel Surcharge Waiver | Not Available |
HSBC Live+ Credit Cardholder Privileges
- Extended Credit Facility: Pay the minimum amount due and settle the balance later with a finance charge of 3.49% per month (41.88 % per annum).
- Lost Credit Card Liability: Transaction on the card after reporting loss/theft/misuse, the cardholder will not be liable for any transaction.
- Worldwide Acceptance: Accepted at over 18 million establishments.
- Free Credit Period: You can get up to 45 days of free credit.
- International ATM Access: You can withdraw cash up to ₹50,000 per day.
- Additional Credit Card: Get up to three additional credit cards for your spouse, parents, siblings, and children.
- Visa Global Customer Assistance Services: HSBC Live+ credit card holders can access VISA Emergency Assistance Services in over 70 countries.
This card offers direct benefits 💰
Unlimited cashback is the key feature of the HSBC Live+ Credit Card. The Cashback eligibility will be as follows:
The eligible cashback amount will be credited to the Credit Card account within 45 days of the statement date.
10% cashback on all dining, food delivery, and grocery transactions (capped up to INR 1,000 per billing cycle)
1.5% unlimited cashback on other spends
No cash back on the following categories: Fuel-related, e-wallets, payment of property management fees, rental payment, education and government-related transactions, Insurance, Jewelry, Tolls, and Bridge Fees, Money Transfer.
Lounge Access 💺
| Lounge Type | Access |
|---|---|
| International Lounge Program | No International Lounge access |
| Domestic Lounge Program | 1 Complimentary Domestic Airport Lounge Visits per quarter |
Fees & Charges 💵 ✨
| Charge Type | Amount |
|---|---|
| Joining Fees | ₹999 |
| Annual Fees | ₹999 (waived off for annual spends of ₹200,000 or more) |
| Finance charges on extended credit | 3.75% per month (45% per annum) |
| Foreign Exchange Markup fees | 3.5% |
| Charge in case of bounced cheque | ₹500 |
| Cash advance limit | Up to 20% of the credit limit |
| Overlimit Fee | 2.5% of the overlimit amount or ₹500 (whichever is higher)+applicable GST |
| Cash payment charge | ₹100 |
Eligibility
- Age: 18 to 65 years
- Minimum annual income: ₹4 lakh (for salaried individuals)
- Must be an Indian resident
- Must live in one of these cities: Chennai, Delhi NCR, Pune, Noida, Hyderabad, Mumbai, Bangalore, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, or Kolkata
Documents Requirement 📑
- Proof of Identity
- Proof of Address
- Proof of Income
Pros & Cons ⚖️
✅ Pros of HSBC Live+ Credit Card
- High cashback on food-related spending
- Easy cashback redemption as a statement credit
- Low spending requirement to waive the annual fee
- Good rewards when you activate the card
❌ Cons of HSBC Live+ Credit Card
- Cashback is limited to ₹1,000 per month at the 10% rate
- No major benefits for travel or movies
- Many exclusions from cashback, including utility bills, fuel, and rent payments
Final Verdict – Should You Get This Card?
Yes, you should go for that card.
📢 Best for:
- If you love earning cashback on your spends
- If you frequently spend on groceries and dining
- If you spend ₹2 lakh annually, you can get a free annual fee waiver
⚡Not ideal for:
- If you travel frequently, as it lacks major travel perks
- If you need lounge access, as this card does not offer it
HSBC PhoneBanking numbers 📞
- HSBC Phone Banking numbers in India: 1800 267 3456/1800 121 2208
- For calls from overseas to India: +91-40-61268002 or +91-80-71898002
Frequently Asked Questions (FAQs)
What cashback benefits does this credit card offer?
This card gives 10% cashback on dining, food delivery, and grocery shopping, but you can earn a maximum of ₹1,000 per month. For all other purchases, you get 1.5% cashback with no limit.
Is there any limit on earning 1.5% cashback on regular spending?
No, the 1.5% cashback on other eligible spends is unlimited.
What is the annual fee, and how can I get it waived?
The card has an annual fee of ₹999. However, this fee is waived if you spend ₹2,00,000 or more in the preceding year.
What is the foreign currency transaction fee for this card?
A foreign exchange mark-up fee of 3.5% is applicable on transactions made in foreign currency.