HSBC
HSBC Live+ Credit Card
VisaCredit CardPremiumAvailable⭐ Featured
Apply Now →Annual Fee
₹999
Best Reward
10% Dining
Lounge Access
Yes
Min Income
₹6.0L
Highlights
- • High 10% cashback on multiple everyday spending categories.
- • Unlimited 1.5% cashback on most other eligible spends.
- • Complimentary domestic and international airport lounge visits.
Things to note
- • Accelerated cashback is capped at ₹1,200 monthly.
- • Several common transaction categories are excluded from cashback.
- • Annual fee requires ₹2 lakh yearly spending for waiver.
Who is this card for?
This card is suitable for customers seeking high cashback on dining, food delivery, groceries, shopping and utility spends, along with unlimited cashback on most other purchases and selected travel and lifestyle benefits.
About this card
The card offers 10% cashback on selected dining, food delivery, grocery, shopping and utility spends, capped at ₹1,200 per month, along with 1.5% unlimited cashback on most other eligible spends.
Base Rate
1.5%Cashback
Most eligible transactions outside the accelerated cashback categories earn unlimited 1.5% cashback, subject to the card's applicable exclusions and terms.
Exclusions: Fuel, e-wallet, rent and property management, business, education, government, insurance, jewellery and antiques, gambling, tolls, foreign currency, hospitals, transportation, securities and cryptocurrency transactions are excluded.
Bonus Categories
10%
Cashback
DiningFoodGroceryShoppingUtility
Cap: ₹1,200/Monthly
Eligible dining, food delivery, grocery, shopping and utility spends earn 10% cashback, with the combined accelerated cashback limited to ₹1,200 per month. Except Amazon, Flipkart and Myntra all shopping stores are covered.
Exclusions: Cashback is unavailable on excluded categories including fuel, e-wallets, rent, property management, business transactions, education, government payments, insurance and other specified categories.
Total estimated annual value₹1,000 / yr
⛽
Contactless Fuel Cashback
₹1,000 / yrFuel
Cardholders can receive ₹250 cashback on eligible contactless fuel purchases when they spend ₹10,000 during a quarter. Fuel transactions between ₹1,000 and ₹5,000 can qualify.
Spend ₹10,000 in a quarter to qualify for ₹250 cashback on eligible contactless fuel purchases between ₹1,000 and ₹5,000.
Exclusions: The benefit applies specifically to eligible contactless fuel transactions and is subject to the stated quarterly spending and transaction requirements.
✈️
Complimentary Airport Lounge Visits
Lounge
The card provides two complimentary domestic airport lounge visits and one complimentary international airport lounge visit every year.
Eligible cardholders receive two domestic and one international complimentary airport lounge visits annually, subject to applicable lounge access terms.
Exclusions: Access is limited to the stated number of complimentary visits and remains subject to participating lounge and issuer terms.
🎬
Buy-One-Get-One Movie Tickets
Movies
Cardholders can enjoy buy-one-get-one movie tickets through the District app by Zomato, providing an additional entertainment benefit alongside the card's lifestyle offerings.
Movie bookings must be made through the District app by Zomato and are subject to the applicable offer terms and conditions.
Exclusions: Availability, participating cinemas, ticket eligibility and applicable discounts are subject to the offer's terms and conditions.
Joining
A joining fee of ₹999 is applicable when the card is issued, subject to any applicable promotional waiver or offer terms.
₹999
Annual
The annual fee is ₹999 and will be waived if the cardholder spends more than ₹2,00,000 during the applicable year.
₹999
Forex Markup
The 1.99% forex markup applies to eligible international transactions according to the card's applicable foreign currency transaction terms.
1.99%
Salaried
GuidelineMinimum annual income of ₹6 lakh
₹6,00,000/yr · 18–65 yrs
Self-Employed
GuidelineMinimum annual income of ₹12 lakh
₹12,00,000/yr · 25–65 yrs
City
GuidelineChennaiGurgaonDelhi NcrPuneNoidaHyderabadMumbaiBengaluruKochiCoimbatoreJaipurChandigarhAhmedabadKolkataAmritsarBarodaIndoreLucknowNagpurSuratTrivandrum
🎟️Voucher
Starbucks Premium Coffee Experience
Check terms for expiry
Cardholders can experience Starbucks premium coffee tasting sessions and receive ₹200 off their next purchase, subject to the applicable terms and conditions.
The Starbucks offer and ₹200 discount are available according to the applicable promotional terms and eligibility conditions.
🎟️Voucher
Online Application Voucher (Amazon eGift Voucher)
Check terms for expiry
Receive an Amazon eGift Voucher worth ₹250 after applying online, completing video verification and successfully receiving the credit card.
Applicants must apply online, complete the required video verification process and receive the card to qualify for the stated voucher.
✨Other
Visa Infinite Lifestyle Experiences
Check terms for expiry
The card provides access to exclusive hotel offers, travel assistance and bespoke lifestyle experiences associated with Visa Infinite, adding premium travel and lifestyle privileges.
Benefits are available subject to the applicable Visa Infinite programme terms, participating merchants and eligibility requirements.
💰Cashback
HSBC India Mobile Banking Offer
Valid until 31 Dec 2026
Receive ₹1,000 cashback when you download and log in to the HSBC India Mobile Banking app and spend ₹25,000 within the first 30 days of receiving the card.
Download and log in to the HSBC India Mobile Banking app, then spend ₹25,000 within the first 30 days of getting the card.
🎟️Voucher
Activation Voucher
Valid until 31 Oct 2026
Receive a voucher worth ₹750 for Amazon Pay, Zomato or Swiggy after activating the card with a single transaction of ₹300 or more.
The card must be activated through a single transaction of ₹300 or more to qualify for the stated ₹750 voucher.
Good to know
- • Cashback is subject to category-specific exclusions and a ₹1,200 monthly cap on accelerated cashback. Several common transactions, including fuel, rent, insurance and government payments, earn no cashback.
Ready to apply for HSBC Live+ Credit Card?
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