← Part of HSBC Credit Cards in India
The HSBC Live+ Credit Card, formerly the HSBC Cashback Credit Card, offers 10% cashback on dining, food delivery, and groceries, capped at ₹1,000 per month. This card also provides 1.5% unlimited cashback on most other eligible spends, making IT a straightforward option for everyday expenses in India as of 2026.
| Parameter | Details |
|---|---|
| Card Name | HSBC Live+ Credit Card (formerly HSBC Cashback Credit Card) |
| Joining Fee | ₹999 + GST |
| Annual Fee | ₹999 + GST |
| Annual Fee Waiver | On spending ₹2 lakh per year |
| Cashback on Dining, Food Delivery & Groceries | 10% (up to ₹1,000 per month) |
| Cashback on Other Eligible Spends | 1.5% unlimited |
| Welcome Offer (2026) | ₹1,000 cashback on spending ₹20,000 within 30 days and logging into HSBC India Mobile Banking app |
| Online Application Offer (2026) | ₹250 Amazon eGift Voucher (on successful online application and Video KYC) |
| Amazon eGift Voucher Delivery | Within 45 days after December 15, 2026 (for applications between Jan 1 – Oct 31, 2026) |
| Complimentary Lounge Access | 4 domestic airport lounge visits per year (max 1 per calendar quarter) |
| Foreign Exchange Mark-up Fee | 3.5% |
| Eligibility (Age) | 18 to 65 years |
| Eligibility (Residency) | Indian citizen and resident |
| Eligibility (Minimum Annual Salary) | ₹4,00,000 per annum (for salaried individuals) |
| Resident Cities for Application | Ahmedabad, Bengaluru, Chandigarh, Chennai, Coimbatore, Delhi NCR, Gurgaon, Hyderabad, Jaipur, Kochi, Kolkata, Mumbai, Noida, Pune |
| Overall Consolidated Rating (2026) | 3/5 |
| Active HSBC Credit Card Customers in India (Feb 2026) | 9.6 lakh+ |
| Number of Active Mainstream Credit Card SKUs (HSBC India) | 4 |
The card’s 10% accelerated cashback on daily s like dining and groceries, coupled with a manageable annual fee waiver, positions IT as a strong contender for consumers focused on direct savings.
Cashback & Rewards Structure
The HSBC Live+ Credit Card offers 10% accelerated cashback on dining, food delivery, and groceries, capped at ₹1,000 per month as of 2026. Most other eligible spends earn an unlimited 1.5% cashback, directly credited to your account within 45 days of the statement date.
| Category | Cashback Rate | Monthly CAP (INR) | Details |
|---|---|---|---|
| Dining | 10% | ₹1,000 | Accelerated cashback on dining spends, credited within 45 days of statement date. |
| Food Delivery | 10% | ₹1,000 | Accelerated cashback on food delivery spends, credited within 45 days of statement date. |
| Groceries | 10% | ₹1,000 | Accelerated cashback on grocery spends, credited within 45 days of statement date. |
| Other Eligible Spends | 1.5% | Unlimited | Unlimited cashback on most other retail spends (exclusions apply). |
| Welcome Benefit (App Login & Spend) | ₹1,000 | N/A | Cashback on downloading and logging into HSBC India Mobile Banking app and spending ₹20,000 within the first 30 days of card issuance. |
| Online Application Bonus | ₹250 Amazon eGift Voucher | N/A | Provided upon successful online application, Video KYC, and card issuance (Offer period: January 1 to October 31, 2026). |
| Exclusions (No Cashback) | 0% | N/A | No cashback on fuel, utilities, e-wallets, rent, insurance, education, government payments, EMIs, jewellery, tolls, and money transfers. |
The card simplifies rewards by directly crediting cashback to your statement, eliminating the need to track reward points or manage transfer partners.
Fees, Charges & Annual Waiver
The HSBC Live+ Credit Card carries a joining fee of ₹999 plus GST, with an identical annual renewal fee. Cardholders can waive the annual fee by spending ₹2 lakh or more within a financial year.
| Metric | Value (INR) | Details |
|---|---|---|
| Joining Fee | ₹999 + GST | Applicable for the primary cardholder |
| Annual Fee | ₹999 + GST | Applicable for the primary cardholder |
| Annual Fee Waiver | ₹2,00,000 | Annual fee is waived if primary cardholder’s annual spends exceed this amount in the financial year |
| Foreign Exchange Mark-up Fee | 3.5% | Applicable on transactions made in foreign currency and overseas ATM cash withdrawals |
| Add-on Credit Card Fee | ₹0 | No charges for supplementary add-on credit cards |
| Late Payment Fee | Varies | Charged on the outstanding balance if payment is not made by the due date (refer to HSBC’s official schedule for specifics) |
| Duplicate Statement Charges | ₹100 | Fee for requesting a physical duplicate statement |
The card’s fee structure is transparent, with the annual fee easily waivable for active users, making IT a cost-effective option for regular spenders.
Eligibility & Application Process
Applying for the HSBC Live+ Credit Card in India requires meeting specific criteria, including an annual income of at least ₹4 lakh for salaried individuals. The application window for 2026 runs from January 1 to October 31, with an online application and Video KYC process.
- Applicant Age: Individuals must be between 18 and 65 years old to be eligible for the HSBC Live+ Credit Card.
- Residency Status: Applicants must be Indian citizens and residents to qualify for the card.
- Minimum Income: Salaried applicants need a minimum annual income of ₹4,00,000 to apply for the card.
- Credit Score: A good credit score and a positive repayment history on past debts are for approval.
- Serviceable Cities: The card is available to residents in major Indian cities, including Mumbai, Delhi NCR, Bangalore, Chennai, Hyderabad, Pune, Kolkata, Ahmedabad, Chandigarh, Jaipur, Kochi, Coimbatore, and Gurgaon.
- Application Method: The application process is entirely online, requiring successful completion of a Video KYC (VKYC) for verification.
- Offer Period: New cardholders applying between January 1, 2026, and March 31, 2026, may be eligible for introductory offers.
- Welcome Benefit: A ₹1,000 cashback is offered upon downloading and logging into the HSBC India Mobile Banking app and spending ₹20,000 within the first 30 days of card issuance.
Meeting these eligibility requirements and completing the online application ensures a smooth process for obtaining the HSBC Live+ Credit Card.
Benefits & Exclusive Offers
The HSBC Live+ Credit Card provides several benefits, including accelerated cashback on specific spending categories and complimentary airport lounge access. Cardholders can also convert large purchases into EMIs using the HSBC India Mobile Banking app.
- Accelerated Cashback: Earn 10% cashback, capped at ₹1,000 per month, on dining, food delivery, and grocery spends.
- Unlimited Cashback: Receive 1.5% unlimited cashback on most other eligible transactions, with the cashback directly credited to your account.
- Welcome Cashback: Get ₹1,000 cashback upon downloading and logging into the HSBC India Mobile Banking app and spending ₹20,000 within the first 30 days of card issuance.
- Amazon eGift Voucher: Receive a ₹250 Amazon eGift Voucher for online applications completed between January 1, 2026, and October 31, 2026, delivered by December 15, 2026.
- Domestic Airport Lounge Access: Enjoy up to 4 complimentary visits to domestic airport lounges annually, limited to one visit per calendar quarter.
- Dining Discounts: Avail up to 15% off dining bills at over 200 partner restaurants through the Live+ Dining Programme.
- EMI Conversion: Convert large purchases into affordable equated monthly instalments (EMIs) directly via the HSBC India Mobile Banking app.
These benefits are designed for young Indian professionals seeking a straightforward cashback card with minimal annual fees.
Live+ Vs. Top Cashback Cards
The HSBC Live+ Credit Card offers 10% cashback on dining, food delivery, and groceries, capped at ₹1,000 per month, as of 2026. This positions IT against other popular cashback cards like SBI Cashback and HDFC Millennia, which focus on online and select brand spends respectively. Evaluating these cards involves comparing their primary cashback categories, general spend rates, and fee structures.
| Feature | HSBC Live+ | SBI Cashback | HDFC Millennia |
|---|---|---|---|
| Primary Cashback Category | 10% on Dining, Food Delivery, Groceries (capped at ₹1,000/month) | 5% on online spends (capped at ₹5,000/month) | 5% on select online brands (Amazon, Flipkart, Swiggy, Zomato) (capped at ₹1,000/month) |
| Other Spends Cashback | 1.5% unlimited cashback | 1% on offline spends | 1% on other eligible spends (capped at ₹1,000/month) |
| Joining Fee | ₹999 + GST | ₹999 + GST | ₹1,000 + GST |
| Annual Fee | ₹999 + GST (waived on ₹2 lakh annual spend) | ₹999 + GST (waived on ₹2 lakh annual spend) | ₹1,000 + GST (waived on ₹1 lakh annual spend) |
| Lounge Access | 4 complimentary domestic visits/year (1 per quarter) | Not a primary feature for this card | 4 complimentary domestic visits/year (1 per quarter) |
| Cashback Redemption | Directly credited to statement within 45 days | Automatic statement credit | CashPoints redeemable against statement (1 CashPoint = ₹1) |
The HSBC Live+ card stands out for its direct statement credit for cashback, simplifying redemption compared to point-based systems.
Customer Care & Support
HSBC provides dedicated customer care for its credit cardholders in India, offering support for inquiries, card services, and reporting lost cards. Cardholders can contact HSBC’s customer care at 18002673456 or 18001212208 for assistance.
- Contact Channels: HSBC offers phone banking support for credit card queries and services.
- Lost Card Reporting: Report a lost or stolen HSBC Live+ Credit Card immediately to prevent misuse.
- Insurance Coverage: Lost HSBC Visa Platinum Credit Cards have insurance coverage up to ₹3 lakh if reported within 24 hours.
- Mobile Banking App: Manage your HSBC Live+ Credit Card, convert purchases to EMIs, and access offers via the HSBC India Mobile Banking app.
- Policy on Dues: HSBC’s Policy on Collection of Dues and Repossession of Security was last updated in April 2026.
HSBC also maintains a list of collection agencies, last updated on May 31, 2026, for transparency.
How to Maximize Live+ Cashback
The HSBC Live+ Credit Card offers 10% cashback on specific categories and 1.5% unlimited cashback on other eligible spends. Cardholders can maximize benefits by focusing spending on dining, groceries, and food delivery, where the accelerated cashback applies up to ₹1,000 per month.
- Utilize the 10% accelerated cashback on dining, food delivery, and grocery spends. This benefit is capped at ₹1,000 per month, so track your spending to stay within this limit for maximum returns.
- Ensure you spend ₹20,000 within the first 30 days of card issuance and log into the HSBC India Mobile Banking app. This action qualifies you for the ₹1,000 welcome cashback reward.
- Aim for annual spends exceeding ₹2 lakh to waive the ₹999 + GST annual renewal fee. This strategy makes the card more cost-effective for regular users.
- Take advantage of the 4 complimentary domestic airport lounge visits per year, limited to one visit per calendar quarter. This offers significant value for frequent travelers.
- Convert large purchases into Equated Monthly Instalments (EMIs) via the HSBC India Mobile Banking app. This helps manage finances while still earning cashback on the original transaction.
- Stay updated on exclusive offers and discounts available for HSBC credit card customers on shopping and dining. These promotions can provide additional savings beyond standard cashback rates.
By strategically using the card for daily expenses and meeting spending thresholds, you can fully use the HSBC Live+ Credit Card’s cashback and benefits.
Key Takeaways
- The HSBC Live+ Credit Card provides 10% cashback on dining, groceries, and food delivery, capped at ₹1,000 monthly (as of 2026).
- A ₹1,000 welcome cashback is available upon spending ₹20,000 within 30 days and logging into the HSBC India app.
- The annual fee of ₹999 + GST is waived if annual spends exceed ₹2 lakh.
Check eligibility and apply for the HSBC Live+ Credit Card at the official HSBC India website before October 31, 2026, to avail current offers.
Frequently Asked Questions (FAQs)
What is the HSBC Live+ credit card annual fee in 2026?
The HSBC Live+ credit card charges an annual renewal fee of ₹999 plus GST. This fee is also applicable as a joining fee for new cardholders. You can get an annual fee waiver if your yearly spends exceed a certain threshold, as per HSBC’s terms.
What cashback rates does the HSBC Live+ credit card offer in India?
The HSBC Live+ credit card offers 10% accelerated cashback, up to ₹1,000 per month, on dining, food delivery, and grocery spends. For most other spends, IT provides 1.5% unlimited cashback. Cashback is credited directly to your account within 45 days of the statement date.
How can I get the ₹1,000 bonus cashback with the HSBC Live+ credit card?
You can get ₹1,000 bonus cashback by downloading and logging into the HSBC India Mobile Banking app. You must then spend ₹20,000 within the first 30 days of receiving your card. This bonus is part of the introductory offer for new cardholders.
Does the HSBC Live+ credit card offer airport lounge access in 2026?
Yes, the HSBC Live+ credit card provides up to 4 complimentary domestic airport lounge visits per year. Cardholders can avail a maximum of 1 visit per calendar quarter. This travel benefit the card’s overall value.
What are the eligibility criteria for the HSBC Live+ credit card in India?
HSBC typically requires applicants to be Indian residents, at least 18 years old, with a stable income. While specific income thresholds vary, many successful applicants have a monthly salary of ₹50,000 or more. A strong CIBIL score is also for approval.
What are the key benefits of the HSBC Live+ credit card for dining and food delivery?
The HSBC Live+ credit card offers 10% cashback on dining and food delivery, capped at ₹1,000 monthly. , cardholders receive up to 15% off dining bills at over 200 partner restaurants through the Live+ Dining Programme. These benefits make IT attractive for food-related expenses.
How does the HSBC Live+ credit card compare to other cashback cards in India in 2026?
The HSBC Live+ credit card is known for its straightforward 10% cashback on dining, groceries, and food delivery, without complex reward points. Cards like SBI Cashback and HDFC Millennia also offer competitive cashback, but the Live+ card’s direct cashback and lounge access make IT a strong contender for specific spending patterns.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.