HSBC Live+ Credit Card Credit Card
HSBC India · Cashback
10% cashback (up to INR 1,200 a month) on dining, food delivery, grocery, shopping and utilities; 1.5% on other spends.
- Joining fee
- ₹999
- Annual fee
- ₹999
- Waiver spend
- ₹2,00,000
- Forex markup
- 1.99%
Fee waiver
Spend ₹2,00,000 in a card year and the next annual fee is waived.
That is about ₹16,667 a month.
Work out what you still need to spend
Recent changes
- 26 July 2026Better for you
Card moves to Visa Infinite, 10% cashback extends to shopping and utilities, the monthly cap rises from Rs 1,000 to Rs 1,200 and one international lounge visit a year is added.
Work it out for this card
How the app counts rewards
- 1.5% on Amazon, Flipkart and Myntra (Myntra 10% until 31 Oct 2026)
- 10% on dining, food delivery, groceries, shopping and utilities (up to ₹1,200 a month)
- 1.5% on other spends
No rewards on education, fuel, insurance, international, rent, wallet loads.
Airport lounges
- Domestic: 2 visits a year
- International: 1 visit a year
Domestic visits limited to one every 6 calendar months
Who can apply
- Age 18 to 65
- Salaried: income of ₹6,00,000 a year or more
- Self-employed: income of ₹12,00,000 a year or more
Indian resident; self-employed applicants must be 25 to 65
Published minimums. Approval is the bank's decision.
Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.
Taken from the bank's page. Rules data version 2026.10.04.
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