Cashback
HSBC Live+ Credit Card
10% back on dining, food delivery, quick-commerce groceries, shopping and utility bills, and 1.5% on everything else, with a low 1.99% forex markup.
Joining fee₹999 + GST
Annual fee₹999 + GST
Fee waiverOn ₹2 lakh spend a year
Top reward10% on dining, groceries, shopping, bills
Lounge2 domestic + 1 international
Forex markup1.99%
Best for: People who spend ₹10,000 to ₹15,000 a month on food delivery, groceries and bills.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Dining and food delivery (Swiggy, Zomato, restaurants) | 10% cashback | ₹1,200 a month shared |
| Groceries on BigBasket, Blinkit, Zepto | 10% cashback | Shared ₹1,200 |
| Online and offline shopping (not Amazon, Flipkart, Myntra) | 10% cashback | Shared ₹1,200 |
| Utility bills | 10% cashback | Shared ₹1,200 |
| Other spends, including Amazon, Flipkart, Myntra and OTT | 1.5% cashback | No cap |
| Fuel, rent, insurance, education, wallet loads, international, EMI, gaming, jewellery | Nothing | – |
- Cashback is credited automatically to your statement.
- About ₹12,000 of 10% spend a month uses up the ₹1,200 cap.
Benefits
Welcome benefit
- About ₹1,000 cashback on spending ₹25,000 within 30 days (offer for applications until 31 Dec 2026).
Milestones
- Annual fee waived on ₹2 lakh spend.
- ₹250 cashback each quarter on contactless fuel purchases when you spend ₹10,000 in that quarter.
Travel and lounges
- 2 domestic lounge visits a year (one every 6 months).
- 1 international lounge visit a year (from 1 Sep 2026).
- Visa Infinite privileges such as airport meet-and-assist.
Fuel and forex
- Forex markup 1.99%.
- No fuel surcharge waiver, but the quarterly contactless fuel cashback above.
Other perks
- Buy-one-get-one movie tickets on District and BookMyShow
- Live+ Reserve dining programme
Fees and charges
| Joining fee | ₹999 + GST (₹1,179) |
|---|---|
| Annual fee | ₹999 + GST, waived on ₹2 lakh yearly spend |
| Interest | 3.75% a month |
| Forex markup | 1.99% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Salaried: age 18 to 65, ₹6 lakh a year
- Self-employed: age 25 to 65
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- 10% across many daily categories
- 1.5% uncapped on everything else
- Low forex markup
Watch out for
- 10% categories share one ₹1,200 cap
- Amazon, Flipkart and Myntra get only 1.5%
- Few lounge visits
Recent changes
- 26 Jul 2026Shopping and utility bills added to 10%; cap raised to ₹1,200; forex cut to 1.99%; domestic lounges cut from 4 to 2.
- 1 Sep 2026One international lounge visit a year added.
Frequently asked questions
What is the HSBC Live+ cashback cap?
₹1,200 a month across all 10% categories. Other spends earn 1.5% with no cap.
Ready to apply for the HSBC Live+ Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.