HSBC Live+ Credit Card
The HSBC Live+ Credit Card is a premium credit card from HSBC India, with a joining fee of ₹999 + GST.
It earns up to 10% on dining food grocery spends in the form of cashback.
Cardholders get 4 annual domestic airport lounge access, plus ₹1,000 welcome cashback as a welcome benefit.
- Joining Fee₹999
- Annual Fee₹999
- Best Suited ForDining
- Reward TypeCashback
- 10% on dining food grocery (cap 1000 cashback inr / monthly)
- Base 1.50% on other spends
- ₹1,000 welcome cashback
HSBCsignaturepremiumRewards and Benefits
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 1.5% = ₹225/mo
- Groceries₹8,000 · 1.5% = ₹120/mo
Groceries — earns base; accelerated rate needs booking via swiggy, zomato
- Dining & food delivery₹8,000 · 1.5% = ₹120/mo
Dining & food delivery — earns base; accelerated rate needs booking via swiggy, zomato
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 1.5% = ₹150/mo
- Utilities & bills₹5,000 · 1.5% = ₹75/mo
₹8,280 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- premium card issued by HSBC India.
- Joining / annual fee of ₹999 + GST, waived on annual spends of ₹2,00,000.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (4/annual).
Pros & Cons
- Annual fee waivable on ₹2,00,000 spend.
- Strong base reward rate of 1.50%.
- Low forex markup of 1.99% — suited to international spends.
- Complimentary domestic airport lounge access (4/annual).
- Accelerated earn worth ≈10.0% on dining food grocery.
- No rewards on fuel spends.
₹1,000 welcome benefit
- ₹1,000 welcome cashbackDownload the app and log inWindow: 90 days from issuance.
Accelerated rewards
- 10% on dining food grocery (cap 1000 cashback inr / monthly)Merchants: swiggy, zomato10% cashback on dining, food delivery & groceries (cap Rs1,000/month). 1.5% unlimited on other eligible spends.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹250 per monthly.
Sources
- : www.hsbc.co.in · retrieved 3 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 18–65
- Credit score
- 730+
- Income (salaried)
- ₹4,00,000 p.a.
- Income (self-employed)
- ₹4,00,000 p.a.