by HSBC India · Updated October 2026
10% cashback on dining, food delivery and groceries, plus 1.5% on everything else.
You'll apply on the official HSBC India page. We never ask for your details.
10% cashback on dining, food delivery & groceries (monthly cap)
1.5% unlimited cashback on other spends
Low 1.99% forex markup
Lounge visits (domestic + international)
The 10% cashback has a monthly cap (reported ₹1,000–₹1,200). From late 2026 lounge access is reported as 2 domestic + 1 international visit a year.
Approximate value back on every ₹100 you spend.
The HSBC Live+ Credit Card is worth it if you spend a lot on groceries (10%) and food delivery & dining (10%). The ₹999 annual fee is waived when you spend ₹2,00,000 a year (about ₹16,667 a month), so it's worth it if you'll hit that. It's less suitable if 10% capped at about ₹1,000–1,200 a month.
Featured in: Best Credit Cards in India · Best Cashback Credit Cards in India · Best Credit Cards for Food Delivery & Groceries
Compare: HSBC Live+ vs Swiggy HDFC
21–60 years (salaried), up to 65 (self-employed)
Regular income; the bank sets the minimum
750+ gives the best approval chances
PAN, Aadhaar, and recent salary slips or ITR
The joining fee is ₹999 and the annual fee is ₹999 (plus GST). The annual fee is waived if you spend ₹2,00,000 or more in a year.
No. The HSBC Live+ Credit Card runs on Visa, and only RuPay credit cards can be linked to UPI.
Yes: 2 domestic + 1 international / year. Lounge rules can change, so check current terms with the issuer.
It's best for dining & groceries cashback. 10% cashback on dining, food delivery and groceries, plus 1.5% on everything else.
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