HSBC Live+ Credit Card

Welcome Benefit

As welcome benefits, new HSBC Live+ Credit Card cardholders can earn ₹1,000 cashback by downloading and logging in to the HSBC India Mobile Banking app and spending ₹25,000 within the first 30 days of card issuance.

Additionally, under a limited-time Visa offer, cardholders can receive a ₹750 voucher for Amazon Pay, Zomato, or Swiggy by activating the card with a single transaction of ₹300 or more.

Cashback on Food, Utilities and More

The Cashback Credit Card by HSBC rewards you in the form of cashback.

• 10% Cashback on dining, food delivery, grocery, shopping, and utility spends, capped at ₹1,200 per month.
• 1.5% Unlimited Cashback on most other eligible spends.
• Amazon, Flipkart, and Myntra purchases earn 1.5% cashback and are not eligible for the 10% cashback category.
• Cashback is applicable based on the merchant category assigned to the transaction.

Cashback Exclusions

No cashback is applicable on:

• Fuel spends
• Wallet loads
• Rent payments
• Business transactions
• Education fees
• Government payments
• Insurance premiums
• Jewellery purchases
• Gambling transactions
• Toll payments
• Cash withdrawals and credit card repayments
• Foreign currency, liquid and cryptocurrency purchases
• Stock broker transactions
• Money transfers
• Charity donations
• Wholesale club purchases
• Hospital payments
• Local bus and metro transportation

The Live+ Reserve Benefits

Starting 1st August 2026, HSBC has introduced The Live+ Reserve, an exclusive lifestyle and dining program for HSBC Live+ Credit Card holders. This new benefit gives cardholders access to curated dining experiences at some of India’s finest restaurants, along with premium lifestyle privileges from well-known brands.

Unlike traditional dining discounts, The Live+ Reserve focuses on offering curated experiences through chef-designed menus, complimentary beverages or desserts, making every visit more rewarding.

Depending on the participating restaurant, cardholders can enjoy one of the following benefits:

• Exclusive chef-curated set menus featuring the restaurant’s signature dishes.
• Complimentary beverages with eligible dining experiences.
• Complimentary desserts to complete the meal.
• Access to a curated collection of premium restaurants across multiple cities.
• Only one dining benefit (set menu, beverage, or dessert) can be redeemed per table for each reservation.

Lifestyle Privileges

Apart from dining experiences, The Live+ Reserve also unlocks curated lifestyle benefits across several premium brands. Cardholders can enjoy exclusive offers and privileges with brands such as:

• Toni & Guy
• Sony LIV
• TUMI
• Other premium lifestyle partners available through the Live+ Reserve portal.

The list of participating brands may be updated by HSBC from time to time.

How to Redeem The Live+ Reserve Benefits

Redeeming these benefits is simple:

• Visit the The Live+ Reserve portal after activating your HSBC Live+ Credit Card.
• Verify your registered mobile number using an OTP.
• Complete a ₹1 verification transaction using your HSBC Live+ Credit Card.
• Browse participating restaurants or lifestyle offers.
• Select your preferred benefit and complete the booking or redemption process.

For restaurant reservations, Times Prime assists with confirming bookings, while the actual food and beverage bill must be settled directly at the restaurant using your preferred payment method.

Important Things to Know

• The Live+ Reserve benefits are available only to activated HSBC Live+ Credit Card holders.
• The current offer is valid from 1 August 2026 to 31 July 2027.
• A ₹1 verification payment is mandatory before benefits can be unlocked.
• Restaurant bookings are subject to availability, blackout dates, and the participating restaurant’s terms.
• Both primary and add-on cardholders are eligible to use these benefits.
• Available restaurants and lifestyle partners may change during the offer period.

Low Forex Markup

The HSBC Live+ Credit Card now comes with a reduced forex markup fee of 1.99%, making it a better option for international transactions than most entry-level cashback credit cards that typically charge around 3.5%. However, cardholders should note that international spending is no longer eligible for the card’s 1.5% unlimited cashback. While the lower forex markup helps reduce the cost of overseas purchases, the lack of cashback on international transactions means the overall value proposition is lower for frequent international spenders compared to cards that combine low forex charges with overseas rewards.

Free Airport Lounge Access

The HSBC Live+ Credit Card offers 2 complimentary domestic airport lounge visits and 1 complimentary international airport lounge visit every year. Domestic lounge access is available across participating lounges in India, while the international visit can be availed through the Visa Airport Companion Program.

HSBC Live+ Credit Card Eligibility

To be eligible for this credit card, you must fulfill the following criteria:

• Be between 18 and 65 years of age (Salaried) or 25 and 65 years of age (Self-Employed).
• Have a minimum annual income of ₹6 lakh (Salaried) or ₹12 lakh (Self-Employed).
• Be an Indian resident.
• Reside in an eligible city, including Ahmedabad, Amritsar, Bengaluru, Chandigarh, Chennai, Coimbatore, Delhi NCR, Gurgaon, Hyderabad, Indore, Jaipur, Kochi, Kolkata, Lucknow, Mumbai, Nagpur, Noida, Pune, Surat, or Vadodara.

HSBC Live+ Credit Card Review

Offering 10% accelerated cashback (up to ₹1,200 per month) on dining, food delivery, grocery, shopping, and utility spends, the HSBC Live+ Credit Card is one of the best cashback cards in its segment. Add to that the premium Visa Infinite benefits, complimentary airport lounge access, and The Live+ Reserve dining privileges, all for a joining/annual fee of just ₹999 + GST, and it’s hard to ask for much more. Another major advantage is its hassle-free cashback system. You don’t have to redeem reward points or worry about partner brands, as the cashback is automatically credited to your credit card account within 45 days of the statement date, making the rewards simple and effortless to enjoy.

This cashback credit card is especially suited for individuals who frequently spend on dining, grocery, and food delivery, as you would get 10% cashback on them.

Great cashback, complimentary domestic lounge access, and welcome benefits worth more than the joining charges 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.