Verified by CardIQ admin · last checked 04 Jul 2026
74
#3 of 173 in credit
HSBC India

HSBC Live+ Credit Card

creditVisa

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Score breakdown

Data completeness: 100% · Last verified: 06 Jul 2026

Reward value76/100 · weight 65%
3.72% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +2.6% score bonus — earns broadly without narrow category restrictions.
No rewards on: utilities. Reward score is scaled by ×(1 − 0.5%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.
Fee efficiency83/100 · weight 11%
Redemption flexibility92/100 · weight 8%
Perks35/100 · weight 8%
Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
999 + 18% GST
= ₹1,179 total
Annual fee
999 + 18% GST
= ₹1,179 / year total
Forex markup
3.5%

Lounge access

Domestic (per year)
4
International (per year)
0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

CategoryTypeRateCapNotes
diningcashback10%₹1,000 / monthly10% accelerated cashback on dining and food delivery. Combined cap with groceries.
groceriescashback10%₹1,000 / monthly10% accelerated cashback on groceries. Combined cap with dining.
fuelcashback1.5%
online_spendscashback1.5%
travelcashback1.5%
all_spendscashback1.5%

No rewards on

These categories earn zero rewards on this card. Reward score is scaled down by up to −5%, proportional to how much of the standard basket sits in the excluded categories (v4.3 formula).

Utilities

Welcome offer

₹1,000 cashback on spending ₹20,000 in first 30 days + ₹750 voucher on first transaction of ₹300+

What's inside

Travel privileges

  • Domestic Lounge Access

    4 complimentary domestic airport lounge visits per year (one per quarter)

Lifestyle

  • Zomato District Discount

    10% off on dining via Zomato District app on transactions of INR 3,500+

  • BookMyShow Offer

    Buy-2-get-1 offer on BookMyShow every Saturday