HSBC India

VISA

Live+ Credit Card

HSBC India Live+ Credit Card

Cashback card offering 10% back on dining, food delivery, groceries, utilities and shopping (shared ₹1,000/month cap) plus 1.5% on everything else, with 4 domestic lounge visits a year.

cashbackdininggroceriesonline-shopping

Last reviewed 14 July 2026

Fees

Joining fee

₹999

Annual fee

₹999

Waiver: Annual fee waived if card spend in the preceding year exceeds ₹2,00,000

Eligibility

Age: 18–65 yrs

Employment: salaried, self employed

Rewards

dining10% cashback(cap ₹1,000 cashback/1mo)

groceries10% cashback(cap ₹1,000 cashback/1mo)

online shopping10% cashback(cap ₹1,000 cashback/1mo)

all other1.5% cashback

Welcome benefits

• ₹1,000 cashback on downloading the HSBC India mobile banking app and cumulative retail spend of ₹20,000 within 30 days of card issuance
• Welcome voucher worth up to ₹750 (Amazon Pay / Zomato / Swiggy) on card activation
• ₹250 Amazon eGift voucher for online applications completed with video KYC verification

Perks

✓Domestic lounge access: 4/yr1 visit per quarter, no minimum spend condition reported. Set to be cut to 2 visits/year (1 per 6 months) effective 26 July 2026, per HSBC's announced Live+ revision; this record reflects current entitlement, not the pending change
✓Forex markup: 3.5%
✓₹3,00,000 liability cover against fraudulent card misuse occurring up to 24 hours before loss is reported
✓10% cashback tier (dining, food delivery, groceries, utility bill payments, and general shopping excluding Amazon/Flipkart/Myntra) shares one combined ₹1,000/month cashback cap
✓Amazon, Flipkart, and Myntra purchases are explicitly excluded from the 10% shopping tier and earn only the base 1.5% cashback
✓International/foreign-currency transaction spend currently earns 1.5% cashback (the base rate) on top of the standard forex markup
✓₹250 flat fuel cashback per quarter on contactless fuel transactions above ₹10,000; fuel spends otherwise earn no cashback, and this card is explicitly NOT covered by HSBC's standard 1% fuel surcharge waiver (that applies only to HSBC Premier, Visa Platinum, and RuPay Platinum cards)
✓HSBC has announced a revision effective 26 July 2026: card network upgrades from Visa Signature to Visa Infinite (adding Airport Meet & Assist, complimentary ITC Hotel stay offers, and Avis car rental privileges), the shared cashback cap rises to ₹1,200/month, forex markup drops from 3.5% to 1.99%, domestic lounge visits are cut from 4/year to 2/year, a new international lounge visit (1/year) is added from 1 September 2026, and foreign-currency cashback is removed. This record reflects the card's current, live terms as of lastVerified, not the pending revision, since it hadn't taken effect yet
✓Hospital payments (MCC 8062) and local bus/subway transit (MCC 4111) are excluded from the 1.5% base cashback
✓No cashback on rent, EMIs, insurance, education/government payments, tolls, money transfers, e-wallet loads, or jewellery/antique purchases
✓Self-employed applicants face a higher bar than salaried applicants: age 25-65 and minimum annual income ₹12,00,000, versus 18-65 and ₹6,00,000 for salaried applicants (only the lower, salaried threshold is reflected in this record's eligibility fields)
✓Card issuance is restricted to residents of roughly 20 major Indian cities

Common questions

What is the annual fee on the HSBC India Live+ Credit Card?: The joining fee is ₹999. The annual fee is ₹999. Annual fee waived if card spend in the preceding year exceeds ₹2,00,000
What are the reward rates on the HSBC India Live+ Credit Card?: HSBC India Live+ Credit Card earns 10% cashback on dining, 10% cashback on groceries, 10% cashback on online shopping, 1.5% cashback on all other spends.
Does the HSBC India Live+ Credit Card offer airport lounge access?: Yes: 4 domestic lounge visits per year (1 visit per quarter, no minimum spend condition reported. Set to be cut to 2 visits/year (1 per 6 months) effective 26 July 2026, per HSBC's announced Live+ revision; this record reflects current entitlement, not the pending change).
Who is eligible for the HSBC India Live+ Credit Card?: Applicants typically need a minimum annual income of ₹6,00,000, a minimum age of 18, and must be salaried or self employed. Exact criteria are set by HSBC India and can vary by application.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

Dining

₹

10% cashback· cap ₹1,000 cashback/1mo

Groceries

₹

10% cashback· cap ₹1,000 cashback/1mo

Online shopping

₹

10% cashback· cap ₹1,000 cashback/1mo

Everything else

₹

1.5% cashback

Estimated annual value—

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Annual fee

₹4,500

Up to

2x points

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Annual fee

₹10,000

Up to

2x points

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Annual fee

₹495

Up to

20x points

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Rewards

dining10% cashback(cap ₹1,000 cashback/1mo)

groceries10% cashback(cap ₹1,000 cashback/1mo)

online shopping10% cashback(cap ₹1,000 cashback/1mo)

all other1.5% cashback

Welcome benefits

• ₹1,000 cashback on downloading the HSBC India mobile banking app and cumulative retail spend of ₹20,000 within 30 days of card issuance
• Welcome voucher worth up to ₹750 (Amazon Pay / Zomato / Swiggy) on card activation
• ₹250 Amazon eGift voucher for online applications completed with video KYC verification

Perks

✓Domestic lounge access: 4/yr1 visit per quarter, no minimum spend condition reported. Set to be cut to 2 visits/year (1 per 6 months) effective 26 July 2026, per HSBC's announced Live+ revision; this record reflects current entitlement, not the pending change

✓Forex markup: 3.5%

✓₹3,00,000 liability cover against fraudulent card misuse occurring up to 24 hours before loss is reported

✓10% cashback tier (dining, food delivery, groceries, utility bill payments, and general shopping excluding Amazon/Flipkart/Myntra) shares one combined ₹1,000/month cashback cap

✓Amazon, Flipkart, and Myntra purchases are explicitly excluded from the 10% shopping tier and earn only the base 1.5% cashback

✓International/foreign-currency transaction spend currently earns 1.5% cashback (the base rate) on top of the standard forex markup

✓₹250 flat fuel cashback per quarter on contactless fuel transactions above ₹10,000; fuel spends otherwise earn no cashback, and this card is explicitly NOT covered by HSBC's standard 1% fuel surcharge waiver (that applies only to HSBC Premier, Visa Platinum, and RuPay Platinum cards)

✓HSBC has announced a revision effective 26 July 2026: card network upgrades from Visa Signature to Visa Infinite (adding Airport Meet & Assist, complimentary ITC Hotel stay offers, and Avis car rental privileges), the shared cashback cap rises to ₹1,200/month, forex markup drops from 3.5% to 1.99%, domestic lounge visits are cut from 4/year to 2/year, a new international lounge visit (1/year) is added from 1 September 2026, and foreign-currency cashback is removed. This record reflects the card's current, live terms as of lastVerified, not the pending revision, since it hadn't taken effect yet

✓Hospital payments (MCC 8062) and local bus/subway transit (MCC 4111) are excluded from the 1.5% base cashback

✓No cashback on rent, EMIs, insurance, education/government payments, tolls, money transfers, e-wallet loads, or jewellery/antique purchases

✓Self-employed applicants face a higher bar than salaried applicants: age 25-65 and minimum annual income ₹12,00,000, versus 18-65 and ₹6,00,000 for salaried applicants (only the lower, salaried threshold is reflected in this record's eligibility fields)

✓Card issuance is restricted to residents of roughly 20 major Indian cities

Common questions

What is the annual fee on the HSBC India Live+ Credit Card?

The joining fee is ₹999. The annual fee is ₹999. Annual fee waived if card spend in the preceding year exceeds ₹2,00,000

What are the reward rates on the HSBC India Live+ Credit Card?

HSBC India Live+ Credit Card earns 10% cashback on dining, 10% cashback on groceries, 10% cashback on online shopping, 1.5% cashback on all other spends.

Does the HSBC India Live+ Credit Card offer airport lounge access?

Yes: 4 domestic lounge visits per year (1 visit per quarter, no minimum spend condition reported. Set to be cut to 2 visits/year (1 per 6 months) effective 26 July 2026, per HSBC's announced Live+ revision; this record reflects current entitlement, not the pending change).

Who is eligible for the HSBC India Live+ Credit Card?

Applicants typically need a minimum annual income of ₹6,00,000, a minimum age of 18, and must be salaried or self employed. Exact criteria are set by HSBC India and can vary by application.

HSBC India Live+ Credit Card

Fees

Eligibility

Rewards

Perks

Common questions

What you’d earn

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