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HSBCHSBC

HSBC Live+

4.32,000 reviewsDiningCashback
Welcome offer₹1000 Cashback
Annual fee
₹ 999
Reward rate
10% on Dining & Grocery
Credit score
720+
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Free to apply via CardGuruji · subject to issuer approval

HSBC Live+
Visa
Rewards

How the rewards work

What you earn on every spend, and the ways you can cash it in.

You earn

10% on Dining & Grocery

Capped at ₹1000/month

Reward currency
Cashback
Card network
Visa
Perks

What you get with this card

The privileges that come bundled in, beyond the reward points.

  • 10% Cashback on essentials

  • BOGO Movies

Our verdict

Pros & cons

An honest read on where this card earns its keep — and where it doesn't.

What we like

  • High Dining Cashback

  • Low fee

What to watch out for

  • Cashback caps

Costs

Fees & charges

Everything the issuer can bill you for, in one place.

Annual fee
₹999Charged every year from the second year

Other charges

Applied only when the situation arises

Balance transfer
1%
Foreign currency markup
3.5%
Late payment
₹1200
Returned payment
₹500

Interest rates

Charged on any balance you carry forward

Purchases
3.5%
Balance transfer
3.5%
Cash advance
3.5%

Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with HSBC before you apply.

Eligibility

Will you qualify?

The credit profile this card is typically approved for.

720+out of 900
Good credit score

What this means for your application

  • Higher scores improve both your approval odds and the credit limit you're offered.
  • Issuers also weigh income, employment stability and your existing debt.
  • A rejected application leaves a hard enquiry on your report — apply only when you comfortably qualify.

Note: this is a guideline, not a hard cut-off. Existing customers of HSBC are often approved on slightly lower scores.

Frequently Asked Questions

Frequently Asked Questions about HSBC Live+

Everything you need to know about HSBC Live+ fees, reward conversion, lounge access, and application eligibility.

The joining fee for HSBC Live+ is nominal, and the annual renewal fee is ₹999 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.

To qualify for HSBC Live+ from HSBC, a CIBIL score of 720 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.

HSBC Live+ is designed to reward everyday spends. It currently features: "₹1000 Cashback". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via HSBC's rewards portal.

HSBC Live+ does not include unconditional complimentary lounge access as a primary perk. If airport lounge access is a priority, consider pairing this card with a dedicated travel credit card.

You can apply for HSBC Live+ directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.