HSBC Live+ Credit Card
HSBC India · Cashback card · ₹999 annual fee
Fees & benefits
| Annual fee | ₹999 + GST — waived at ₹2,00,000/yr spend |
| Welcome benefit | ~₹1,000 value |
| Airport lounges | 4 domestic · 0 international / year |
| No rewards on | fuel, rent, wallet, insurance, government, emi |
Reward rates (with caps — the part that actually matters)
| Rule | Effective rate | Monthly cap | Applies to |
|---|---|---|---|
| 10% dining/grocery/food-delivery/utility (cap ₹1,200/mo, from 26 Jul 2026) | 10% | ₹1,200 | dining, grocery, utility |
| 1.5% unlimited other cashback | 1.5% | Uncapped | all eligible spend |
What it's worth at your spend
Net annual value on a typical Indian urban spend mix (shopping-heavy, incl. groceries, dining, fuel, travel, bills), after caps and fees. Rank is out of all 50 cards we track.
Caveats & recent changes
Effective 26 July 2026 the 10% accelerated cashback covers dining, food delivery, groceries, utilities and shopping (excluding Amazon, Flipkart & Myntra), and the monthly cap rose from ₹1,000 to ₹1,200. The 'shopping' leg is not modeled (merchant-exclusion dependent).
1.5% unlimited cashback on other eligible spends.
4 domestic lounge visits/year (1/quarter); 1 international lounge visit/year from 1 September 2026 (Visa Infinite upgrade).
Verified 2026-07-13 against official issuer sources (agent verification pass; manual human review unavailable).
Quick answers
Is the HSBC Live+ Credit Card lifetime free?
No, the annual fee is ₹999 (plus GST), waived on spending ₹2,00,000 a year.
What is the highest reward rate on the HSBC Live+ Credit Card?
10% — 10% dining/grocery/food-delivery/utility (cap ₹1,200/mo, from 26 Jul 2026). Effective value depends on monthly caps; see the caveats on this page.
Does the HSBC Live+ Credit Card give airport lounge access?
Yes — 4 domestic visits/year.
Where the HSBC Live+ Credit Card fits
Ranks in our: Cashback credit cards in India (#1), Credit cards for grocery spend (#1), Credit cards for dining and food delivery (#1), Credit cards for airport lounge access (#2).
Compare it: HSBC Live+ Credit Card vs Swiggy HDFC Bank Credit Card · HSBC Live+ Credit Card vs CASHBACK SBI Card · HSBC Live+ Credit Card vs American Express Membership Rewards Credit Card · HSBC Live+ Credit Card vs SBI Card PRIME · HSBC Live+ Credit Card vs ICICI Bank Sapphiro Credit Card.
Best cards by spend: ₹15,000/month · ₹30,000/month · ₹60,000/month. Check if this card's fee is worth it.