HSBC Live+ Credit Card: Difference between revisions
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=== '''Key Features''' === | === '''Key Features''' === | ||
* '''10% cashback''' on dining, food delivery, and grocery transactions | * '''10% cashback''' on dining, food delivery, and grocery transactions | ||
* '''1.5% cashback''' on all other domestic and international spends | * '''1.5% cashback''' on all other domestic and international spends | ||
(refer below details on monthly capping) | |||
* Cashback is '''credited monthly''' to the card statement | * Cashback is '''credited monthly''' to the card statement | ||
* Complimentary access to curated dining offers and merchant deals | * Complimentary access to curated dining offers and merchant deals | ||
=== '''Fees and Charges''' === | === '''Fees and Charges''' === | ||
* '''Joining Fee''': | * '''Joining Fee''': ₹999 + GST | ||
* '''Annual Fee''': | * '''Annual Fee''': ₹999 + GST | ||
* '''Interest Rate''': 3.49% per month (41.88% annually) | * '''Interest Rate''': 3.49% per month (41.88% annually) | ||
* '''Foreign Currency Mark-up''': 3.5% | * '''Foreign Currency Mark-up''': 3.5% | ||
Latest revision as of 01:51, 7 July 2025
The HSBC Cashback Credit Card (Live+), commonly known as the HSBC Live+ Credit Card, is a cashback-oriented credit card issued by HSBC India. It is targeted at individuals seeking value through cashback on everyday categories such as dining, groceries, and online shopping. The card is part of HSBC's lifestyle-focused "Live+" product line.
Key Features
- 10% cashback on dining, food delivery, and grocery transactions
- 1.5% cashback on all other domestic and international spends
(refer below details on monthly capping)
- Cashback is credited monthly to the card statement
- Complimentary access to curated dining offers and merchant deals
Fees and Charges
- Joining Fee: ₹999 + GST
- Annual Fee: ₹999 + GST
- Interest Rate: 3.49% per month (41.88% annually)
- Foreign Currency Mark-up: 3.5%
- Cashback Limit: 10% cashback capped at ₹1,000 per month for select categories
Cashback Structure
- 10% cashback on:
- Dining (including dine-in and takeaway at restaurants)
- Food delivery platforms (e.g., Swiggy, Zomato)
- Grocery stores and supermarkets
- 1.5% cashback on:
- All other eligible retail transactions (domestic and international)
Note: Cashback is subject to a monthly cap of ₹1,000 on 10% categories. Cashback is auto-credited in the next billing cycle.
Cashback Exclusions
Cashback is not applicable on the following types of transactions:
- Wallet loads (e.g., Paytm, PhonePe)
- Fuel purchases
- Utility bill payments
- Rent and insurance payments
- Education and government services
- EMI and cash advances
Eligibility Criteria
- Age: 21 to 60 years (primary cardholder)
- Must be an Indian resident with a valid income source
- Minimum annual income: As per HSBC’s policy (