HSBC Live+ Credit Card
HSBC · VISA★ 4.4/ 5
✓ Details last verified 1 Jan 2025
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Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹500 in vouchers, points or cashback on card activation
10% on Dining
10% cashback on dining and food delivery
10% on Groceries
10% cashback on grocery
Airport Lounge Access
1 complimentary visits per quarter at domestic and international airport lounges
Annual Fee Waiver
Fee of ₹999/yr fully waived when you spend ₹2,00,000/year
Milestone Bonus
~₹1,000 in bonus rewards on hitting annual spend milestones
💰 CASHBACK STRUCTURE
How much you earn back on each type of spend — no points math required.
10.0%
dining cashback
1.5%
Base rate (all other spends)
₹1,000
Monthly cap (accelerated)
- 10% cashback on dining
- 1.5% on all other spends — no restrictions
- Accelerated cashback capped at ₹1,000/month
🍽️ FOOD & DINING BENEFITS
Dining rewards, food delivery cashback and partner benefits.
10.0%
Dining cashback rate
PARTNER PLATFORMS
- 10% cashback on dining and food delivery
- Accelerated earn on: Swiggy, Zomato, dining
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
4 visits/yr
Domestic lounges
₹2,000
Estimated annual value
3.5%
Forex markup
- Domestic airport lounge access (4 visits/yr, worth ~₹2,000)
Rohini orders Swiggy 5 nights a week (₹4,000/month) and buys groceries on BigBasket (₹3,000/month) and pays for Netflix + Hotstar (₹1,200/month). HSBC Live+ gives 10% back on all three: ₹8,200 × 10% = ₹9,840/year — the highest return rate on this exact combination of urban spending in India, capped at ₹2,000/month = ₹24,000/year maximum. The ₹999 fee is waived at ₹2L spend, which she hits by April.
Who is this for?
The card for urban millennials whose monthly budget is dominated by Swiggy, BigBasket, Blinkit, and OTT subscriptions. If these three categories total ₹7,000+/month, Live+ delivers ₹8,400–24,000/year in cashback — the best return on this exact spending pattern in India.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹1.00. How we value points →
| 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.
Perks & benefits
Estimated annual value beyond rewards.
1 complimentary domestic lounge visit per quarter
Milestone bonus on ₹2L annual spend
Should you get it?
- Best for: Urban millennial whose monthly budget is dominated by Swiggy + BigBasket, OTT subscriber (Netflix + Prime + Hotstar combined ₹1,500/month), Quick-commerce grocery user (Blinkit, Zepto, Swiggy Instamart), Does not cook at home — restaurant apps are the grocery store
- 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% on Swiggy + BigBasket + Blinkit + Zomato + OTT — ₹8,000/month in these categories earns ₹9,600/year
- Highest cashback rate on food delivery of any Indian credit card — no other card gives 10% on Swiggy without a cap under ₹2,000/month
- ₹999 annual fee waived at ₹2L spend — 4 months of normal urban spending
- 1.5% on all other online spends — above average base rate
Cons
- 10% cashback capped at ₹1,000/month across all accelerated categories combined — hitting the cap requires only ₹10,000 in these categories
- 3.5% forex markup — not for international transactions
- HSBC has fewer ATMs and branches than major Indian banks — limited in-person support
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
The concern
The ₹1,000/month combined cap on accelerated categories is exhausted by just ₹10,000 of spend — beyond it you are holding an ordinary card.
Bottomline
CardAdvisor Rating: 4.4 / 5Live+ targets one spending pattern — delivery apps and subscriptions — and pays the best rate in India on it. If your card statement reads like a quick-commerce order history, this is your card. The cap is the only thing keeping it from being unbeatable.
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 by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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