HSBC
HSBC Live Plus Credit Card
Data last verified: 11 October 2026
- Joining fee₹999 + GST
- Annual fee₹999 + GST
- Reward rate1.5% base, up to 10% on dining
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹999 + GST
- Annual fee₹999 + GST
- Fee waiverOn ₹2 lakh spend a year
- Forex markup1.99%
- Interest (APR)3.75% a month, 45% a year
Live+ pays 10% cashback on dining, Swiggy and Zomato, groceries like BigBasket, Blinkit and Zepto, shopping outside Amazon, Flipkart and Myntra, and utility bills. These share one cap of Rs 1,200 a month, so the 10% runs on your first Rs 12,000 of such spends. Almost everything else earns 1.5% with no cap, including Amazon and Flipkart.
It costs ₹999 a year and the fee is waived once you spend ₹2 lakh in the year. Maxing the 10% cap even for a few months pays for the fee many times over.
It suits families who spend on food and groceries every month. The catch is the long exclusion list: no cashback on fuel, rent, insurance, education, government payments, wallets, EMIs or any international spend.
Best for: Families with big food and grocery bills, Frequent Swiggy and Zomato users, People wanting simple cashback.
01HSBC Live Plus Credit Card Rewards and Benefits
02HSBC Live Plus Credit Card Annual Fee and Charges
- Joining fee
- ₹999 + GST
- Annual fee
- ₹999 + GST
- Spend-based waiver
- Annual fee waived on ₹2 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 1.99%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on dining and food delivery, earning 10%₹500
- ₹15,000 on everything else, earning 1.5%₹225
- Back each month, ₹8,700 a year₹725
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹8,700
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Online shopping: 10% back, up to ₹1,200 a month
- Dining: 10% back, up to ₹1,200 a month
- Spending ₹16,667 or more a month: the ₹1,179 fee is waived
- Flyers: 3 airport lounge visits a year
- Spending abroad: 1.99% markup, most cards add 3.5%
Skip it if…
- you spend less than ₹16,667 a month (₹2,00,000 a year, rent and wallet loads not counted): the ₹1,179 fee is then charged
- most of your spending is fuel, rent, insurance or education: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on online shopping, dining, groceries or utility bills: the 10% rate applies only there, everything else earns 1.5%
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04Product Details
- ₹999 joining and annual fee, waived at ₹2 lakh yearly spend
- 10% cashback on dining, food delivery, grocery, shopping and utility bills
- Shared cap of ₹1,200 cashback a month on the 10% categories
- 1.5% cashback on most other spends, including Amazon and Flipkart
- 2 domestic lounge visits a year and 1 international visit
- ₹250 fuel cashback each quarter you spend ₹10,000
- 1.99% forex markup
05Pros and Cons
Pros
- Up to ₹1,200 cashback a month from everyday spends
- 1.5% base is higher than most cashback cards
- Easy fee waiver at ₹2 lakh
- Low 1.99% forex fee
Cons
- 10% categories share one ₹1,200 monthly cap
- No cashback on fuel, rent, insurance, education, wallets or EMIs
- No cashback on international spends
- Lounge visits cut to just 2 domestic a year
06How HSBC Live Plus Credit Card earns Rewards
1.5% base, up to 10% on dining.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 10% | ₹1,200, shared with other bonus rates | Apparel, department stores and other shopping MCCs, excludes Amazon, Flipkart and MyntraTerms: 10% on shopping, excludes Amazon, Flipkart and Myntra, which earn the 1.5% base; SHARED ₹1,200 a month cap across dining, food delivery, grocery, shopping and utilities |
| Dining and food delivery | 10% | ₹1,200, shared with other bonus rates | Swiggy, Zomato, restaurant diningTerms: 10% on dining and food delivery, SHARED ₹1,200 a month cap across dining, food delivery, grocery, shopping and utilities |
| Groceries | 10% | ₹1,200, shared with other bonus rates | BigBasket, Blinkit, ZeptoTerms: 10% on groceries, SHARED ₹1,200 a month cap across dining, food delivery, grocery, shopping and utilities |
| Travel: flights, hotels, trains | 1.5% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 10% | ₹1,200, shared with other bonus rates | All merchants in the categoryTerms: 10% on utility bill payments, SHARED ₹1,200 a month cap across dining, food delivery, grocery, shopping and utilities |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | Earns nothing | - | earns nothing on this card |
| Everything else | 1.5% | No cap | The card's normal rate |
Terms on the base rate. 1.5% cashback on most other spends, including OTT subscriptions and Amazon/Flipkart/Myntra; not earned on international spends or excluded categories
07HSBC Live Plus Credit Card Lounge Access and Travel
Domestic lounge access is 2 visits a year, international is 1 visits a year. 2 complimentary domestic lounge visits per year (one per 6 months) plus 1 international lounge visit per year from 1 September 2026. Spending abroad carries a 1.99% forex markup; rewards on it: earns nothing. See what it costs on your trip
Also on the card. fuel surcharge waiver, airport lounge access.
- Fuel surcharge waiver: ₹250 cashback on contactless fuel purchases in each quarter you spend ₹10,000 on the card, a quarterly gate (not annual), worth up to ₹1,000 a year
08HSBC Live Plus Credit Card Eligibility and Documents
- Age: 21 to 65 years
- Employment: Salaried and Self Employed
- Salaried Income: ₹50000/monthly
- Self Employed: ITR > ₹12,00,000/annually
- Credit Score: 750+
- Age
- 18 to 65 years
- Employment
- Salaried or self-employed
- Minimum monthly income
- ₹50,000
- Credit score
- 750 and above
Documents. ID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or Salary slips Photograph: Recent passport-sized photo
Not sure your score clears 750? See which cards fit your credit score.
09Recent Changes
What HSBC changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 26 Jul 2026 | Reduced: Domestic lounges halved; base-cashback exclusions addedSource: HSBC | 4 domestic lounge visits a year (1/quarter) · 1.5% earns on hospital, local transport & international spends | 2 domestic lounge visits a year (1/6 months) · no cashback on hospital (MCC 8062), local transport (MCC 4111) or international spends |
| 26 Jul 2026 | Changed: Live+ upgraded, 10% categories widened, cap raised, Visa InfiniteSource: HSBC | 10% on dining/food-delivery/grocery · ₹1,000 a month cap · 3.5% forex · Visa Platinum | 10% adds shopping (excl Amazon/Flipkart/Myntra) & utility bills · ₹1,200 a month cap · 1.99% forex · Visa Infinite |
| 15 Jul 2024 | Changed: Rebranded to HSBC Live+ (relaunch)Source: HSBC | HSBC Cashback Credit Card · 3.5% monthly APR · no category exclusions | HSBC Live+ Credit Card · 3.75% monthly APR · no cashback on utility & EMI transactions |
| 2021 | Changed: HSBC Cashback Credit Card launched (Live+ predecessor)Source: HSBC | - | - |
See this card's change history → · All card changes in July 2026 →
10Cards Similar to HSBC Live Plus Credit Card
HSBC Live Plus Credit Card is a dining card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | HSBC Live Plus Credit Card |  SBI BPCL Credit Card |  SBI SimplySAVE Credit Card |
|---|---|---|---|
| Joining fee | ₹999 + GST | ₹499 + GST | ₹499 + GST |
| Annual fee | ₹999 + GST | ₹499 + GST | ₹499 + GST |
| Rewards | 1.5% base, up to 10% on dining | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants | 0.17% base, up to 1.67% on dining |
| Domestic lounge | 2 visits a year | Not included | Not included |
| Forex markup | 1.99% | 3.5% | 3.5% |
| Type | Dining | Fuel | Dining |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Already Have a Credit Card?
Track your card spending with SkyloFin - Expense Tracker. Statements, due dates and every spend, read from your bank SMS on your own phone.
Common Questions
Is the ₹999 fee waived?
Yes, once you spend ₹2 lakh in a year. Below that the fee is charged.
How much 10% cashback can I earn?
Up to ₹1,200 a month in total across dining, food delivery, grocery, shopping and utility bills.
Do Amazon and Flipkart earn 10%?
No. Amazon, Flipkart and Myntra earn the 1.5% base rate.
Does it earn on foreign spends?
No. International spends do not earn cashback, though the forex markup is a low 1.99%.
What is the joining fee for the HSBC Live Plus Credit Card?
The joining fee is ₹999 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the HSBC Live Plus Credit Card?
The annual fee is ₹999 + GST.
What is the eligibility for the HSBC Live Plus Credit Card?
The bank looks for age: 21 to 65 years; employment: salaried and Self Employed; salaried income: ₹50000/monthly; self employed: iTR > ₹12,00,000/annually; credit score: 750+. Meeting these does not guarantee approval, since the final decision is the bank's.
What documents do I need for the HSBC Live Plus Credit Card?
You will need PAN Card/Form 60; Aadhaar, Passport, or utility bills; Bank statements or Salary slips; Recent passport-sized photo.
Does the HSBC Live Plus Credit Card give airport lounge access?
Yes. Domestic lounge access is 2 visits a year, international is 1 visits a year. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with HSBC. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
Other options worth a look
See all credit cards
Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →- GuidesBest Online Shopping Credit Cards in India (2026)The credit cards that pay the most back on online shopping in 2026, which sites count, the monthly cap and the annual fee.Read the guide →
