HSBC Live+ Credit Card

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The HSBC Live+ Credit Card is a revamped version of the former HSBC Cashback Credit Card in India. Since its launch, this card has gained significant popularity despite its relatively higher joining and renewal fees. The reason for its success is simple: it’s the best credit card for spending on groceries, food delivery, and dining, covering nearly all online and offline stores within these categories. Moreover, it stands out as the top choice for cashback on offline purchases. Additionally, it also provides 4 Free Domestic Airport Lounge Access in a year without any minimum spend condition. This no-frills, easy-to-understand card provides real cashback directly in your credit card statement without any manual effort. For groceries, food orders, dining, and offline spending, the HSBC Live+ Credit Card is a must-have.

Features and Benefits

Features and benefits available in this credit card

Cashback

Reward Points

Airmiles

Airport Lounge

Utility Bills

Insurance

NPS

Education

Government Payment

Fuel

Rent

Giftcards

Jewellery

Wallet Load

Rewards on EMI

Welcome Bonus

Travel

Dining

Shopping

Interest

Welcome Benefits

1,000 cashback when you download and login to the HSBC India Mobile App and spend Rs.20,000 within the first 30 days of getting the credit card.

Cashback and Rewards

10% cashback, up to Rs.1,000 per month, on all dining, food delivery and grocery spends across brands.
1.5% unlimited cashback on other spends (both online and offline spend).
HSBC Live+ Dining Program: Get additional 10% to 15% off on dining at select restaurant. Checkout the list of restaurant at this link. https://bit.ly/hsbcdiningoffers

Lifestyle Benefits

4 Domestic Airport Lounges in a year. No minimum spend condition to use free lounge access. List of Lounge: https://bit.ly/hsbcindiadomesticairportlounges
Restaurent Payment on Eazydner: 30% Instant Discount upto Rs.600 once in a Calendar Month on Minimum Transition of Rs.1000. Use Promo Code: HSBC600
Buy One Get One Movie Ticket on BookMYShow: You get 1 movie ticket free with 1 movie ticket if booking is done on Saturday. Movie’s date can be any day of the week, only condition is that you need to make the booking on Saturday. Only first 2000 movie tickets booked through this offer are free on any Saturday. In case, price of the movie ticket is more than Rs.250 per ticket, card user need to pay the difference.

Forex Mark-up Fee

3.5% plus GST (4.13%)

Reward Redemption

This credit card gives real cashback directly in credit card statement without any manual efforts.

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Joining fee
(INR including GST)

₹ 1179

Renewal fee
(INR including GST)

₹ 1179

Annual Spend Target
for Renewal Fee Waiver (INR)

₹ 200000

Pros

Aspects that make this credit card amazing.

Very high cashback rate on grocery, food order and dining
Almost all online and offline stores of grocery and food orders, and restaurants are covered for cashback
Attractive real cahback of offline spend also (1.5%)
Easy to understand credit card.
It gives real cashback which is directly credited into credit card’s statement. Not manual efforts required to get the cashback.
It provides free domestic lounge access without any minimum spend conditions. Also, there is no quarterly limit on lounge access. So, you can use all 4 Lounge visits in same quarter also.

Cons

Aspects this credit card lacks.

Large number of excluded spend categories on which you don’t get any cashback.
Relatively high joining and renewal fee.

Spend Categories with No Cashback / Rewards

No cashback on following categories.

Fuel related (MCC 5541, 5983, 5172, 5542, 5552)
e-wallets (MCC 6540)
Payment of property management fees, rental commissions, rental payments or any such payments made through MCCs 6513, 7012, 7349
Business to business transactions made through MCCs 7399, 7311, 7372, 5045, 5047, 5065, 5072, 5111, 5013, 2741, 5137, 5192, 5193, 5131, 7361, 5085, 7333, 5039, 7379, 5021, 5199, 5122, 5099, 5198, 5139, 7829, 7395, 5051, 5046, 5169, 7375, 5074, 8734, 5044, 2842, 2791
Education
Government related transactions carried out through MCCs 9399, 8299, 8220, 8211, 8241, 9311, 8244, 8249, 9222, 9402, 9211, 9405, 9950, 9223, 8351)
Insurance (MCC 6300, 5960)
Jewellery and antique items (MCC 5944, 5094, 5932, 5937)
Gambling (MCC 7995)
Tolls and bridge fees (MCC 4784)
Cash withdrawals, credit repayments, foreign currency,
Liquid and cryptocurrency assets (MCC 6011, 6010, 6012, 6051)
Security broker services (MCC 6211)
Collection agencies (MCC 7322)
Charity (MCC 8398, 8641)
Money transfers (MCC 4829)
Wholesale clubs (MCC5300)
Utilities – electric, gas, water and sanitary (MCC 4900).

Add-on Cards

Free add-on credit cards available for close family members

Eligibility Criteria

Age: Between 18 to 65 years old
Income: Rs.400,000 per year for salaried individuals
Self-employed: This card is rarely issued to self-employed.
Indian resident
Reside in Chennai, Gurgaon, Delhi National Capital Region (NCR), Pune, Noida, Hyderabad, Mumbai, Bangalore, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad or Kolkata

Important Links

HSBC Live+ Dining Program: Get additional 10% to 15% off on dining at select restaurant. Checkout the list of restaurant at this link. https://bit.ly/hsbcdiningoffers
Domestic Airport Lounge List Accessible using HSBC Live+ Credit Card: https://bit.ly/hsbcindiadomesticairportlounges

Upcoming Changes

N/A

Rating & Reviews

(5/5)

This is the truth, the whole truth, and nothing but the truth; brought to you SpendWisely backed by its expertise and expertise in the area of credit cards

Reward Value

(5)

Lifestyle Benefits

(5)

Ease of Reward Redemption

(5)

Value for Money

(5)

Customer Service

(5)

The HSBC Live+ Credit Card is an excellent choice for anyone looking to maximize their cashback on grocery shopping, online food orders, and restaurant payments. This card offers a generous 10% cashback on these spending categories, making it one of the best cashback options available.

What sets this card apart is that the accelerated cashback isn’t restricted to just a few big brands. Whether you’re shopping at major stores like DMart, Reliance Smart Bazaar, or your local kirana shop, or ordering from Amazon Fresh, Zepto, Blanket, McDonald’s, PizzaHut, Domino’s, Dineout, or Eazydiners, you’re covered. Both online and offline grocery and dining purchases are eligible for the 10% cashback.

In addition to these categories, the HSBC Live+ Credit Card offers a 1.5% cashback on all other spending, including offline purchases. The 1.5% cashback rate for offline spend is among the highest offered by any credit card, making this card a must-have for those who want to maximize their rewards across a wide range of purchases.

Domestic Airport Lounge Access

Not Available

International Airport Lounge Access

Not Available

Airport Spa Access

Not Available

Airport Meet & Greet Service

Not Available

Railway Lounge

Not Available

Movie Tickets

Not Available

Dining Benefit

Not Available

Golf

Not Available