CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
HSBC India

HSBC Live+ Credit Card

78
Ranked #5 of 170 in credit
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HSBC's straightforward cashback card (formerly "HSBC Cashback", now "HSBC Live+") offering 10% cashback on dining/grocery/food-delivery (capped Rs1,000/month) and unlimited 1.5% elsewhere, with no points system to manage.

Score breakdown

Data completeness: 100% · Last verified: 09 Jul 2026

Reward value79/100 · weight 71%
≈ 3.88% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +2.6% score bonus — earns broadly without narrow category restrictions.
No rewards on: government, education, insurance. Reward score is scaled by ×(1 − 0.9%), 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 efficiency91/100 · weight 12%
Redemption flexibility92/100 · weight 9%
Perks35/100 · weight 9%

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
Waiver: Waived on annual spend of Rs2,00,000+
Forex markup
3.5%

Lounge access

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

Reward structure

CategoryTypeRateCapNotes
groceries_offlinecashback10%₹1,000 / monthlyShared monthly cap with dining & food delivery
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.
dining_offlinecashback10%₹1,000 / monthlyShared monthly cap with grocery & food delivery
food_deliverycashback10%₹1,000 / monthlyShared monthly cap with dining & grocery
online_spendscashback1.5%——
all_spendscashback1.5%—Unlimited, uncapped base rate
travelcashback1.5%——
fuelcashback1.5%——

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

Rs1,000 cashback on downloading HSBC India app and spending Rs20,000 within first 30 days; Rs250 Amazon eGift Voucher on VKYC completion

Milestone benefits

Pros

  • Simple flat cashback (no points to track/redeem)
  • strong 10% rate on dining/food-delivery/grocery (capped Rs1,000/month)
  • unlimited 1.5% on everything else
  • easy Rs2L fee waiver threshold

Cons

  • City-restricted eligibility
  • cashback categories share one combined monthly cap across dining+grocery+food-delivery
  • several everyday categories (fuel, utilities, insurance, rent, government) earn zero cashback

What's inside

More benefits

  • Zomato District Discount

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

  • Domestic Lounge Access

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

  • BookMyShow Offer

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

  • EazyDiner dining discount

    Up to 15% off dining bills at 200+ partner restaurants via Live+ Dining Programme

    unlimited. Dine-in at partner restaurants

Insurance cover

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Eligibility

text
Age 18-65 (salaried) / 25-65 (self-employed); min income Rs6L (salaried) or Rs12L (self-employed); restricted to specific Indian cities (Chennai, Gurgaon, Delhi NCR, Pune, Noida, Hyderabad, Mumbai, Bengaluru, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, Kolkata, Amritsar, Baroda, Indore, Lucknow, Nagpur, Surat)

Small print

Fuel surcharge:Not a primary benefit; fuel excluded from cashback categories