Credit Cards · Honest Review
HSBC Live+ Credit Card
HSBC · Visa
Your Verdict
- ✓10% cashback on dining, food delivery, and groceries (capped ₹1,000/month each)
- ✓1.5% unlimited cashback on all other spends
- ✓4 complimentary domestic airport lounge visits per year
- ✓Annual fee waived on ₹2L annual spend
What HSBC Live+ Credit Card costs you
HSBC Live+ Credit Card carries a ₹999 annual fee and a ₹999 one-time joining fee. The annual fee is waivable: Spend ₹2L/year.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹999 |
| Joining fee (one-time) | ₹999 |
| Fee waiver condition | Spend ₹2L/year |
| Spend required for waiver | ₹2,00,000 / year |
| Foreign transaction fee (forex markup) | Not disclosed / standard rates apply |
What you earn on every rupee spent
HSBC Live+ Credit Card earns 1.50% on all eligible spends as a base reward rate, with accelerated rates on dining & food, groceries and other bonus categories listed below.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 1.50% |
| 🍽️ Dining & Food | 10% (cap ₹1,000/mo) |
| 🛒 Groceries | 10% (cap ₹1,000/mo) |
₹999 cashback on first transaction within 30 days
Reward types: Cashback
Beyond the reward rate
The non-reward benefits on HSBC Live+ Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for HSBC Live+ Credit Card
HSBC Live+ Credit Card requires a minimum net monthly income of ₹50,000 for salaried applicants and a CIBIL score of 740 or above. It is open to salaried and self-employed applicants.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹50,000 |
| CIBIL score | 740+ (good to excellent) |
| Age range | 21–60 years |
| Employment type | Salaried & self-employed |
| Typical approval time | 7–10 working days |
Who should (and shouldn't) get HSBC Live+ Credit Card
- → Heavy spenders on dining & food who want 10% back
- → Heavy spenders on groceries who want 10% back
- → Frequent travelers who value airport lounge access
- → Moderate spenders who can clear the fee waiver condition
HSBC Live+ Credit Card — Questions answered
What is the annual fee for HSBC Live+ Credit Card?
What is the minimum income required for HSBC Live+ Credit Card?
What is the reward rate on HSBC Live+ Credit Card for dining & food?
Does HSBC Live+ Credit Card provide airport lounge access?
How do I get the annual fee waived on HSBC Live+ Credit Card?
How long does it take to get HSBC Live+ Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.