HSBC Live+ Credit Card
Updated 15 Apr 2026Source-linked
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% back on dining food delivery entertainment spends in the form of cashback.
Cardholders get 4 annual domestic airport lounge access, plus amazon voucher worth ₹1,000 as a welcome benefit.
HSBC Live+ Credit Card
- Joining Fee₹999
- Annual Fee₹999
- Best Suited ForDining
- Reward TypeCashback
Rewards Rate
- 10% on dining food delivery entertainment (cap 1000 cashback inr / monthly)
- Base 1.50% on other spends
Welcome Benefits
- Amazon voucher worth ₹1,000
HSBCsignaturepremiumRewards and Benefits
Rewards Rate
10% on dining food delivery entertainment (cap 1000 cashback inr / monthly)
Base 1.50% on other spends.
Reward Redemption
Redeem at ₹1 per unit.
Welcome Benefits
Amazon voucher worth ₹1,000
Milestone Rewards
N/A
Domestic Lounge Access
4 visits each annual.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
₹2,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
1.99%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000, capped at ₹250 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
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
Pros
- 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 rate of 10% on dining food delivery entertainment.
Cons
- No rewards on fuel spends.
₹1,000 welcome benefit
- Amazon voucher worth ₹1,000Spend ₹20,000 within 90 daysWindow: 90 days from issuance.
Accelerated rewards
- 10% on dining food delivery entertainment (cap 1000 cashback inr / monthly)Merchants: swiggy, zomato, bookmyshow, paytm-movies10% cashback on Dining, Food Delivery and Entertainment (cap ₹1,000/month).
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
Domestic
4 visit(s) / annual. Via visa, dreamfolks.
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 15 Apr 2026
Last verified 15 Apr 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.