HSBC Live+ Credit Card
HSBC · VISA★4.4/ 5
✓ Details last verified 1 Jan 2025
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HSBC Live+ is HSBC's best rewards card for Indian users — 10% cashback on Swiggy, BigBasket, Zomato, and OTT platforms (capped at ₹1,000/month), with 1.5% everywhere else. A strong dining and grocery card for urban users who spend heavily on delivery apps.
At a glance
Rewards by category
What you earn on every rupee, per spend category.
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Dining | cashback | 10% | ₹1,000 |
| Groceries | cashback | 10% | ₹500 |
| OTT & Entertainment | cashback | 10% | ₹500 |
| Other | cashback | 1.50% | — |
Dining: 10% cashback on dining and food delivery · Swiggy,Zomato,dining
Groceries: 10% cashback on grocery · BigBasket,Blinkit
OTT & Entertainment: 10% cashback on OTT subscriptions
Other: 1.5% cashback on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
LATE PAYMENT FEE
| Outstanding balance | Late fee |
|---|---|
| Up to ₹500 | Nil |
| ₹501 – ₹5,000 | ₹500 |
| ₹5,001 – ₹10,000 | ₹750 |
| ₹10,001 – ₹25,000 | ₹900 |
| ₹25,001 – ₹50,000 | ₹1,100 |
| Above ₹50,001 | ₹1,300 |
Perks & benefits
Estimated annual value beyond rewards.
1 complimentary domestic lounge visit per quarter
Milestone bonus on ₹2L annual spend
Who is this card for?
- 💳Mid tier — a solid all-rounder for steady monthly spend.
- 🎯Strongest value if you spend heavily on Dining (10% back).
- ✈️Frequent travellers benefit from the included airport lounge access.
👍 Pros
- ✓10% cashback on Swiggy, BigBasket, Zomato, and OTT subscriptions
- ✓Among India's highest category cashback rates
- ✓1.5% cashback on all other online spends
- ✓Annual fee low and easily waived
👎 Cons
- ✕10% cashback capped at ₹1,000/month across all categories
- ✕3.5% forex markup — not for international use
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your cashback are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Direct cash adjustment — no conversion
Frequently asked questions
What is the annual fee for the HSBC Live+ Credit Card?+
The annual fee is Rs 999, which is waived on annual spends of Rs 200000.
What is the foreign currency markup?+
The forex markup is 3.50% on international transactions.
Is there a fuel surcharge waiver?+
Yes — a 1.00% fuel surcharge waiver, up to Rs 250 per statement cycle.
What is the minimum age and income to apply?+
Applicants must be at least 21 years old with a minimum income of Rs 25000 per month.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the HSBC Live+ Credit Card are taken from HSBC's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed for accuracy by CardAdvisor Editorial Team. Card terms change often — always confirm current details on the issuer's site before applying. How we research & review →
Similar & related cards
Other cards worth comparing before you apply.
HSBC Cashback Credit Card
Same tier with similar rewards
SBI Cashback Credit Card
Comparable SBI option
Standard Chartered Super Value Titanium Credit Card
Comparable SC option
ICICI Bank Coral Credit Card
Lower annual fee, similar tier
HDFC Millennia Credit Card
Comparable HDFC option
Swiggy HDFC Bank Credit Card
Lower annual fee, similar tier
Terms & reward changes
Tracked updates to this card's fees, rewards and benefits — newest first.
- 📉 Reward rate changeEffective 1 May 2025
HSBC Live+ combined cashback cap across all accelerated categories reduced from ₹1,500 to ₹1,000 per month. Individual category earn rates (10%) are unchanged.
10% cashback on Swiggy, Zomato, BigBasket, and OTT (capped ₹1,500/month)→10% cashback on Swiggy, Zomato, BigBasket, and OTT (capped ₹1,000/month)
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