Unlock Rewards with HSBC Live+ Credit Card

Overview of the HSBC Live+ Credit Card

The HSBC Live+ Credit Card is a cashback-focused credit card that rewards users for their everyday spending, especially in categories like dining, food delivery, and grocery purchases. This card is a rebranded version of the HSBC Cashback credit card, targeting users who benefit from cashback on essential spending.

It's important to note that the HSBC Live+ Credit Card is available only for residents of specific cities in India:

Chennai
Gurgaon
Delhi NCR
Pune
Noida
Hyderabad
Mumbai
Bangalore
Kochi
Coimbatore
Jaipur
Chandigarh
Ahmedabad
Kolkata

The annual fee for the HSBC Live+ Credit Card is INR 999 plus GST, which can be waived if the cardholder spends INR 2 lakh per year.

Credit Card EMI Calculator

Easily calculate your monthly EMIs for credit card purchases with Airtel Finance. Enter the amount, tenure, and interest rate to get instant estimates.

Purchase Amount ₹10,000

₹1K₹2L

Interest Rate 13%

5%36%

Tenure 12 Months

3M36M

Monthly EMI

Total Interest

Total Payment

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Benefits & Features of the HSBC Live+ Credit Card

Welcome Benefits

New cardholders receive an enticing joining offer – an Amazon gift voucher worth INR 1,000 upon spending INR 20,000 within the first 30 days of card activation. This offer provides an excellent incentive for new users to start using the card right away.

Other Benefits

The HSBC Live+ Credit Card offers a range of other benefits that make it an attractive choice for many users:

Cashback on Essential Spending:
- 10% cashback on all dining, food delivery, and grocery spends, capped at INR 1,000 per month
- 5% unlimited cashback on all other spends, excluding categories like utilities, fuel, wallet loads, rent payments, education fees, government taxes, insurance payments, and jewellery purchases
Additional Cashback:
- 5% unlimited cashback on offline spending, excluding the categories mentioned above
Lounge Access:
- 4 complimentary domestic lounge access visits per year. However, there is no international lounge access provided.

It's worth noting that while the specific Malaysian version of the card offers discounts at restaurants and shopping benefits, the Indian version focuses primarily on cashback rewards without additional dining or shopping discounts.

Additionally, cashback is excluded for transactions such as utilities, fuel, wallet loads, rent payments, education fees, government taxes, insurance payments, and jewellery purchases.

Key Highlights of the HSBC Live+ Credit Card

Enjoy a reward structure that offers 10% cashback on all dining, food delivery, and grocery spends, capped at INR 1,000 per month, and 1.5% unlimited cashback on most other spends, excluding categories such as utilities, fuel, wallet loads, rent payments, education fees, government taxes, insurance payments, and jewellery purchases.
Take advantage of attractive joining benefits, including INR 1,000 cashback when you spend INR 20,000 within the first 30 days of getting the card and an INR 250 Amazon e-gift voucher when you apply for the card online and complete your video KYC (VKYC).
Relax in style with 4 complimentary domestic lounge access visits per year, one per quarter.
Indulge in exclusive dining and shopping offers, such as up to 15% off with the Live+ Dining Programme at over 200 restaurants across Asia and additional discounts on shopping, including online purchases.
Enjoy other perks like access to the Visa Digital Concierge app for curated offers and services.

Fees and Charges of the HSBC Live+ Credit Card

Fee Type	Amount	Conditions
Joining Fee	INR 999 + GST	One-time fee at the time of card issuance
Annual Fee	INR 999 + GST	Waived if you spend more than INR 200,000 per year
Cashback Cap	INR 1,000 per month	On dining, food delivery, and grocery spends
Exclusions	No cashback on certain categories	Utilities, fuel, wallet loads, rent payments, education fees, government taxes, insurance payments, and jewellery purchases do not earn cashback
Lounge Access	4 complimentary visits/year	One visit per quarter
Welcome Gift	INR 1,000 cashback	Spend INR 20,000 within the first 30 days
Amazon E-Gift Voucher	INR 250	Apply online and complete the video KYC

Eligibility of the HSBC Live+ Credit Card

The HSBC Live+ Credit Card has a specific residency requirement, being available only to residents of select cities in India.
While specific income requirements are not detailed in the Indian context, applicants typically need to meet HSBC's general creditworthiness criteria, which may include a stable income and a good credit history.
Standard documentation such as identity proof, address proof, and income proof will be required for the application process. The exact documents may vary depending on individual circumstances.

Card Activation Process

Activating your HSBC Live+ Credit Card is a simple process. You have several options to choose from, depending on your preference and convenience:

Mobile App Activation: The quickest and most convenient way to activate your card is through the HSBC India Mobile Banking app. Simply download the app, and you can activate both your primary and supplementary cards with just a few taps.
Online Banking: If you prefer using HSBC's online banking platform, you can easily activate your card by logging in to your account and navigating to the credit card section. Follow the provided instructions, and your card will be ready to use.
Customer Service: For those who prefer a more personal touch, you can always contact HSBC's customer service helpline. Their friendly representatives will guide you through the activation process and ensure your card is up and running in no time.

Once your card is activated, you can start enjoying the benefits of the HSBC Live+ Credit Card, including the attractive cashback offers.

How to Redeem the Points

One of the standout features of the HSBC Live+ Credit Card is its cashback system, which simplifies the redemption process:

Automatic Credit: The cashback you earn on your purchases is automatically credited to your card statement after the bill generation. This means you don't have to worry about manually redeeming points or keeping track of your rewards.
No Manual Redemption Required: With the HSBC Live+ Credit Card, you can sit back and relax while your cashback is credited directly to your account. There's no need to log in to a rewards portal or fill out any forms, as the process is entirely automated.

This hassle-free system ensures that you receive your cashback without any additional effort, allowing you to enjoy the benefits of your card seamlessly.