Overview
The HSBC Live+ Credit Card is one of the best cashback credit cards in India, offering an attractive combination of high cashback rates, broad spending coverage and lifestyle benefits. It provides 10% real cashback on eligible spends across shopping (both online and offline), utility bill payments, mobile and DTH recharges, dining, food delivery and grocery purchases, subject to a monthly cashback limit. For all other eligible online and offline transactions, the card offers 1.5% unlimited real cashback, making it an excellent option for everyday spending. Cardholders can also enjoy lifestyle benefits such as domestic and international airport lounge access, restaurant discounts and complimentary movie tickets. Another major advantage is its hassle-free reward mechanism, as cashback is automatically credited to the credit card statement without the need to redeem reward points or vouchers. While the 10% cashback category is capped at Rs.12,000 in monthly eligible spending, the unlimited 1.5% cashback rate makes the HSBC Live+ a compelling choice for those seeking consistent savings across a wide range of expenses. In this detailed HSBC Live+ Credit Card review, we cover its cashback structure, fees and charges, eligibility, benefits, limitations and overall value to help you decide whether it is the right cashback credit card for your spending needs.
Pros
- Very high cashback rate on a vide ranges of spend categories. Almost all online and offline stores for shopping, grocery and food orders, and restaurants are covered for cashback
- Attractive real unlimited cahback on other spend (1.5%)
- Easy to manage 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 airport lounge access without any minimum spend conditions and the lounge benefits are separately provided on add-on cards also.
Cons
- Cashback limit for 10% cashback is small for today's standard. Rs.1,200 cashback limit covers just Rs.12,000 spend in a month which is muhc lower than the monthly spend most families make nowadays.
- Large number of excluded spend categories on which you don't get any cashback.
Fees & Charges
Joining / Annual Fee
₹ 1,179
Renewal Fee
₹ 1,179
Annual Spend Target for Fee Waiver
₹ 200,000
Minimum Annual Income Required
₹ 600,000
Rewards and Benefits
Reward Rate
10% on accelerated categories, 1.5% base reward rate
Base Reward Rate
1.5%
Accelerated Reward Rate
10%
Welcome Benefits
Rs.1,000 Cashback on log-on to HSBC Mobile app and Spending Rs.25,000 in First 30 Days. Rs.750 worth voucher of Amazon Pay, Zomato and Swiggy on first transaction of Rs.300+ (applicable individually on both primary and add-on cards.). Rs.250 Amazon voucher on complete online card application and VKYC.
Renewal Benefits
No Renewal Benefits. But complete renewal fee waiver on Rs.2 Lacs spend in the previous year.
Rewards & Cashback Details
- Shopping, Dining, Food Delivery and Grocery: 10% cashback, up to Rs.1,200 per month, on shopping (except Amazon, Flipkart and Myntra), dining, food Delivery and grocery on both online and offline spend across the categories.
- Other Spend: 1.5% unlimited cashback on other spends (both online and offline spend, including Amazon, Flipkart, Myntra).
- Fuel Benefits: Rs.250 flat cashback on cumulative spend of Rs.10,000 across primary and add-on cards in a calendar quarter on fuel spend in India. Only transaction between Rs.1,000 to Rs.5,000 are considered for the calculation of Rs.10,000 quarterly milestone. Only contactless transactions are considered for this. Contactless transaction means, a credit card payment made by tapping the card on a contactless-enabled point-of-sale (POS) terminal, without swiping, dipping, or entering a PIN. This benefit is limited to such transactions only. However, there is no fuel surcharge waiver on fuel transactions made using the credit card. Therefore, effective savings on fuel is around 1.3%
Rewards Redemption
This credit card gives real cashback directly in credit card statement without any manual efforts.
Additional Benefits
Domestic Airport Lounge
International Airport Lounge
Movie Benefits
Dining Benefits
Railway Lounge Access
Golf Benefits
Lifestyle Benefits Details
- Upto 12 Airport Lounge Access: Primary cardholder and each of 3 Add-on cardholders are indivdually entitled for 2 Domestic Airport Lounges in a year (1 per 6 months) and 1 International Lounge Access (outside India) per year. In total, across primary and add-on card holders can get upto 12 lounge access in the year. No minimum spend condition to use free lounge access. List of Lounge: https://bit.ly/hsbcindiadomesticairportlounges
Free International SIM with Data Plan: 1 Complimentary 1GB pack valid Global eSIM per calendar year, plus a 20% discount on every top-up. The 1GB pack will be valid for 7 days across 98 countries.
Dining Privileges with Times Prime: Book premium restaurants for dining privileges with special discounts on set menus at participating restaurants, or complimentary beverage at participating restaurants, or complimentary dessert at participating restaurants (https://dinewithtimesprime.com/hsbcliveplus). Additionally, lifestyle privileges powered by Times Prime across premium brands including Toni & Guy, Sony LIV, TUMI and many more.
Dining Discount by Visa Infinite: Special discounts at premium restaurants across India by Visa Infinite Program. Visit following site for more details: https://www.dinewithvisa.co.in/
- Complimentary Stay at ITC Hotels: Enjoy a complimentary 3rd night for every 2 consecutive paid nights, or stay for 2 nights and get 50% off the 2nd night with ITC Hotels.
Restaurent Payment through Eazydner App: 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 by HSBC credit card holders are free on any Saturday. In case, the price of the movie ticket is more than Rs.250 per ticket, the card user needs to pay the difference.
Discount on Car Rental: Up to 35% discount on standard rates with Avis Car Rentals and get complimentary membership to Avis President’s Club
Airport Meet & Assist Services: Complimentary Meet & Greet service at airport when you spend over USD1000 abroad in the past 12 months.
- Discount and Lifestyle Benefits
- Dine with Visa Indulge in the Exclusive Dining Program, curated by Visa. Know more This link will open in a new window
- 20% with IHG Hotels: Enjoy the best flexible rates at participating IHG Hotels, including InterContinental, Six Senses, Holiday Inn and more. Know more This link will open in a new window
- Save up to 7% with Agoda: Get discounted hotels, flights and activities in over 200 countries and territories worldwide. Know more This link will open in a new window
- Visa Concierge: Get recommendations, make reservations and receive immediate assistance 24/7. Know more This link will open in a new window
- Save 20% at Tattva Spa: Get a flat 20% off deep tissue, Indian Abhyanga and Swedish full body massages. Know more This link will open in a new window
- Save 8% at Ajio Luxe: Enjoy an instant discount of up to INR4500 when you spend INR10,000 or more. Know more This link will open in a new window
Fuel Surcharge Waiver
There is no fuel surcharge waiver on fuel transactions made using the credit card. However, you get Rs.250 flat cashback on cumulative spend of Rs.10,000 across primary and add-on cards in a calendar quarter on fuel spend in India. Therefore, there is effective savings on fuel is around 1.3% even without fuel-surcharge waiver. Please note that only transaction between Rs.1,000 to Rs.5,000 are considered for the calculation of Rs.10,000 quarterly milestone. Only contactless transactions are considered for this. Contactless transaction means, a credit card payment made by tapping the card on a contactless-enabled point-of-sale (POS) terminal, without swiping, dipping, or entering a PIN. This benefit is limited to such transactions only.Forex Mark-up
2.36% Forex Mark-up charge including GST on forex transactions. However, there is no cashback on forex transactions.Features & Benefits
Cashback
Airport Lounge
Utility Bills
Fuel
Gift Cards
Rewards on EMI
Reward Points
Airmiles
Insurance
NPS
Education
Government Payment
Rent
Jewellery
Wallet Load
No Cashback / Rewards Categories
No cashback on following categories.
- Fuel related (MCCs 5541, 5983, 5172, 5542, 5552)
- e-wallets (MCC 6540)
- 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 and government related transactions carried out through MCCs 9399, 8299, 8220, 8211, 8241, 9311, 8244, 8249, 9222, 9402, 9211, 9405, 9950, 9223, 8351
- Insurance (MCCs 6300, 5960)
- Jewelry and antique items (MCCs 5944, 5094, 5932, 5937)
- Gambling (MCC 7995)
- Tolls and bridge fees (MCC 4784)
- Cash withdrawals, credit repayments, foreign currency, liquid and cryptocurrency assets (MCCs 6011, 6010, 6012, 6051)
- Security broker services (MCC 6211)
- Collection agencies (MCC 7322)
- Charity (MCCs 8398, 8641)
- Money transfers (MCC 4829)
- Wholesale clubs (MCC 5300)
- Hospitals (MCC 8062)
- Local transportation - bus/subway transit (MCC 4111).
Eligibility & Important Info
Eligibility Criteria
- Age: Between 18 to 65 years old
- Income: Rs.600,000 per year for salaried individuals or Rs.12,00,000 per year for self-employed individuals
- Place of Residence: Indian resident - Reside in Chennai, Gurgaon, Delhi National Capital Region (NCR), Pune, Noida, Hyderabad, Mumbai, Bengaluru, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, Kolkata, Amritsar, Baroda, Indore, Lucknow, Nagpur, Surat or Trivandrum
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
Add-on Cards
Upto 3 add-on credit cards available for close family membersMedia
HSBC Live+ Credit Card Rs.5,250 Joining Benefits 2026 | New Benefits in Best Cashback Card
Classification
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