HSBC Live+ Credit Card
- Updated On: 3 April, 2026
HSBC Cashback Credit Card has now been rebranded as Live+ Credit Card. This card can be the best choice for those fond of shopping online, as it gives you a high cashback of 10% on grocery, food delivery, and dining spends and 1.5% on all other spends. HSBC Cashback Credit Card welcomes you with exclusive benefits, such as a gift voucher from Amazon. Since it’s a cashback card, you don’t have to worry about redeeming rewards like you have to do with reward points-based cards. The cashback is automatically credited back within 45 days of the card statement date.
You also get complimentary domestic lounge access with this credit card. Keep on reading more to learn more about the HSBC Live+ Credit Card.
HSBC Live+ Credit Card
( 4.6 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
10% Cashback on Dining, Food, and Grocery Spends. 1.5% On All Other Eligible Spends
Welcome Benefits
₹1,000 Cashback on Spending ₹20,000 in the First 30 Days
Rewards and Benefits
Movie & Dining
Buy 2 Get 1 Free offer on movies on Saturdays & Up to 15% discount at over 1,000 restaurants across major cities in India.
Rewards Rate
10% Cashback on Dining, Food, and Grocery Spends. 1.5% On All Other Eligible Spends
Reward Redemption
The cashback is credited back within 45 days of the card’s statement date.
Travel
NA
Domestic Lounge Access
4 complimentary domestic lounge access per annum (one each quarter)
International Lounge Access
NA
Golf
NA
Insurance Benefits
Insurance cover worth Rs. 3,00,000 against misuse of the card from up to 24 hours prior to the time of reporting the loss of card.
Fees & Charges
Spend-Based Waiver
Renewal fee waived on expenditure of Rs. 2,00,000 in the previous year
Rewards Redemption Fee
Nil
Foreign Currency Markup
3.5%
Interest Rates
3.75% Per Month
Fuel Surcharge Waiver
1% fuel surcharge is applicable
Cash Advance Charges
2.5% of the withdrawn amount, subject to a minimum amount of Rs. 500.
Product Details
- 10% accelerated cashback on grocery, food delivery, and dining spends.
- 1.5% unlimited cashback on all other transactions (few exceptions).
- Buy 2 get 1 free offer on movies through BookMyShow.
- ₹1,000 cashback as a welcome benefit.
- Support for contactless payment with VISA wave technology.
HSBC Live+ Credit Card Features and Rewards
Welcome Benefit
On making a transaction worth ₹20,000 within the first 30 days of card issuance, cardholders would get ₹1,000 cashback as a welcome gift.
HSBC Live+ Credit Card Cashback
The Cashback Credit Card by HSBC rewards you in the form of cashback. This cashback is credited back within 45 days of the card statement date. You get:
- 10% accelerated cashback on dining, grocery, and food delivery spends. The maximum cap is ₹1,000 per statement cycle.
- 1.5% unlimited cashback on all other transactions.
- No cash back on the following categories: Fuel, e-wallets, payment of property management fees, rental commissions, rental payments, or any such payments made through MCCs 6513, 7012, 7349, education and government-related, insurance, jewelry & antique items, gambling, tolls, and bridge fees, collection agencies, charity, money transfers, and wholesale clubs.
Dining & Movie Benefit
- Purchase 2 movie tickets and get 1 free while booking through BookMyShow on Saturdays. You can book movie tickets for any day of the week.
- The maximum price of the free movie ticket is ₹250.
- Get 15% off on EazyDiner with this credit card.
Complimentary Domestic Lounge Access
The HSBC Cashback Credit Card gives you four free visits to domestic lounges across India (1 each quarter).
HSBC Live+ Credit Card Eligibility
To be eligible for this credit card, you must fulfill the following criteria:
- Must be an Indian citizen.
- Age between 18 and 65 years.
- Should be earning a minimum of ₹4,00,000 per annum (for salaried individuals).
- Must be a resident of Chennai, Gurgaon, Delhi National Capital Region (NCR), Pune, Noida, Hyderabad, Mumbai, Bangalore, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad or Kolkata.
Customer Care
If you need any assistance or need to report the loss of a card, you may contact HSBC’s customer care at 18002673456 or 18001212208. These toll-free numbers are functional for general inquiries from 6:30 a.m. to 8:40 p.m. However, you can report the loss of a card 24×7 on any of these numbers.
HSBC Live+ Credit Card Review
If online shopping accounts for a large majority of your credit card spends, this card is certainly worth considering. Also, you don’t have to worry about reward redemption, as the cashback amount is automatically credited back within 45 days of the statement date. This makes things easier as you don’t have to be tied to specific brands for reward redemption.
This cashback credit card is especially suited for individuals who frequently make spends on dining, grocery and food delivery as you would get 10% cashback on them. Great cashback, complimentary domestic lounge access, and a welcome benefit worth ₹1,000 are the main features of this card. Please let us know your opinion of this card in the comment section. Also, if you’re an existing cardholder, feel free to share your experience.
FAQs:
When do I get the cashback?
The cashback amount is automatically credited back within 45 days of the card statement date.
Do I get zero liability protection with this card?
Yes, you get an insurance cover of up to Rs. 3,00,000 against any unauthorized use of the card up to 24 hours prior to reporting the loss of card.
Do I get any reward points with this card?
No, this is not a reward points based card. You only get cashback on your online/offline spends credited within 45 days of the card’s statement date.
Does this card support contactless payments?
Yes, this card supports contactless payments with Visa Paywave. No PIN is required for transactions of up to Rs. 5,000
Can I get an add-on card?
Yes, you can get add-on card(s) and no fee is chargeable for the same.
Do I get cashback on EMI transactions?
Yes, you do get cashback on EMI transactions as well.
Is there an upper limit to the cashback that I can earn in a given month?
Yes, the cashback for the 10% category is capped at ₹1,000 per month, while the cashback earned on the 1.5% category is unlimited.
9 comments
Praveen
Is the cashback applicable spends on each 100 or 150 for eligibility ?
Atharv
Is the movie tickets once each month or every Saturday
Tanveer Sharma
Loving the rewards program with this card! Cashback on categories like dining and online shopping really adds up over time.
Harsh
Can someone plz tell me if this gives 10% on patanjali arogya kendra (patanjali stores), sampoorna super market and amazon fresh and ratnadeep super market
Kartik Kanwar
You shall have to hit and try. If the MCCs match with those of the eligible spends then surely cashback shall be received.
Laxman
Are jewellery spends considered for annual fee waiver?
Kartik Kanwar
It’s best to remember that only people who reside in tier 1 cities can apply for this card. You shall only be eligible for this card if you live in Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, New Delhi, Noida, and Pune.
SHASHANK SHEKHAR
I am living in hyd but my aadhar card is of Jharkhand. can I apply?
Abhishek chatterjee
HSBC Cashback Credit Card is now devalue –
1.5% Cashback is not eligible on select categories such as Fuel, Rental, Govt. Transactions, E-wallets, Insurance, Education, B2B Goods and Services, Jewelry, Charity, Toll fees, Cash Advances, Payment of outstanding balances, payment of card fees and other card charges.
Joining and Renewal Fee: There will be a joining fee of only ₹999 (not applicable to existing customers). There will also be a renewal fee of ₹999, which will be waived upon reaching a spend milestone of ₹200,000 in a year.
Please note that these changes will come into effect for your existing credit card from 26-Aug-2023.