HSBC Live+ Credit Card

File:HSBC LivePlus Credit Card.png

HSBC Cashback Credit Card (Live+)

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 (capped at Rs.1000 per month)
• 1.5% cashback on all other domestic and international spends
• Cashback is credited monthly to the card statement
• Complimentary access to curated dining offers and merchant deals
• Powered by the Visa Signature platform

Fees and Charges

• Joining Fee: ₹0 *(Lifetime Free)*
• Annual Fee: ₹0 *(No annual fee at all)*
• 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 (