HSBC Live+
HSBC India · Cashback · Statement Credit
This comprehensive guide covers the HSBC Live+'s reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The HSBC Live+ from HSBC India offers cashback rewards credited directly to your statement at 10% (up to ₹1,000 per cycle). Top earning categories include 10% on dining, groceries and food delivery and more. Annual fee is ₹999 (waived above inr 200,000 annual spend).
Best for: Dining, Grocery, Food Delivery, General Online
Reward Examples
Spend ₹10,000 on Dining → earn ₹1,000 (10%) · 10% on dining, groceries and food delive
Spend ₹1,000 on General online → earn ₹15 (2%) · 1.5% on most retail spends
Official product page → Official rules →
Waiver: Waived above INR 200,000 annual spend
Reward Rules
- 10% 10% on dining, groceries and food delivery (cap: ₹1,000)
- 2% 1.5% on most retail spends
- 0% on utilities
Important Notes
- Utility spends do not earn cashback.
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
HSBC Live+ vs Similar Cards
- Airtel Axis — 25% top rate · ₹500
- Amazon Pay ICICI — 5% top rate · ₹0
- AU Bank LIT Credit Card — 5% top rate · ₹499
Maximize Your Rewards
To earn the highest rewards, use the HSBC Live+ for its bonus categories: Dining, Grocery, Food Delivery, General Online, Online Retail.