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Last updated: 01-06-2026
HSBC Live+ Credit Card
HSBC Bank

HSBC Live+ Credit Card

"India's highest food delivery cashback card โ€” 10% on Swiggy, Zomato and groceries with 1.5% unlimited cashback on everything else"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น999 + GST
๐Ÿ”„ Renewal Fee
โ‚น999 + GST
Waived: Annual fee waived on spending โ‚น2 lakh or more in the membership year
๐ŸŽฏ Best Suited For
Urban professionals who spend โ‚น5,000โ€“โ‚น20,000 per month on Swiggy, Zomato, Ola, and groceries โ€” the 10% cashback delivers โ‚น6,000โ€“โ‚น24,000 savings annually against a โ‚น999 fee
๐ŸŽ Reward Type
Direct Cashback โ€” auto-credited to statement within 45 days; no points, no redemption portal
๐ŸŽ‰ Welcome Benefit
โ‚น1,000 cashback on downloading and logging into HSBC India Mobile Banking app AND spending โ‚น20,000 within the first 30 days of card issuance; โ‚น750 voucher for Amazon Pay, Zomato or Swiggy on first transaction of โ‚น300 or more
๐Ÿ’ฐ Reward Rate
10% cashback on dining, food delivery (Swiggy, Zomato) and groceries โ€” capped at โ‚น1,000 per billing cycle (shared cap across all three categories); 1.5% unlimited cashback on all other eligible retail spends (no cap); cashback not available on fuel, utilities, insurance, rent, wallets, government transactions, and several other excluded categories
โœˆ๏ธ Lounge Access
4 complimentary domestic airport lounge visits per year โ€” 1 per calendar quarter; at select partner lounges across major Indian airports (Chennai, Delhi, Mumbai, Bengaluru, Hyderabad, Kolkata, Pune, Ahmedabad, Jaipur, Kochi, Chandigarh, Coimbatore). No international lounge access.
๐Ÿ’ต Cashback Rate
10% on dining/food delivery/groceries (โ‚น1,000/month cap); 1.5% unlimited on other retail
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โœ… Pros
  • Highest food delivery cashback in India at 10% โ€” no merchant restriction (Swiggy and Zomato both)
  • 1.5% unlimited cashback on all other retail โ€” strong base rate
  • Cashback auto-credited โ€” no portal, no effort
  • Welcome benefit of โ‚น1,000 effectively pays back the joining fee
  • Fee waived on reasonable โ‚น2L annual spend
  • 4 domestic lounge visits/year
โŒ Cons
  • โ‚น1,000/month shared cap across dining, food delivery AND groceries โ€” max annual benefit โ‚น12,000
  • High forex markup of 3.5% โ€” not for international use
  • Available only in select cities โ€” not pan-India
  • Generally not available to self-employed
  • No rewards on fuel, utilities, insurance, rent
  • No international lounge access

๐ŸŽ Rewards & Benefits

Reward Type
Direct Cashback โ€” auto-credited to statement within 45 days; no points, no redemption portal
Welcome Benefits
โ‚น1,000 cashback on downloading and logging into HSBC India Mobile Banking app AND spending โ‚น20,000 within the first 30 days of card issuance; โ‚น750 voucher for Amazon Pay, Zomato or Swiggy on first transaction of โ‚น300 or more
Reward Rate
10% cashback on dining, food delivery (Swiggy, Zomato) and groceries โ€” capped at โ‚น1,000 per billing cycle (shared cap across all three categories); 1.5% unlimited cashback on all other eligible retail spends (no cap); cashback not available on fuel, utilities, insurance, rent, wallets, government transactions, and several other excluded categories
Reward Redemption
No redemption needed โ€” cashback is automatically credited as a statement credit within 45 days of the statement date. No portal, no conversion, no expiry.
Fuel Surcharge Waiver
No fuel surcharge waiver
Lounge Access
4 complimentary domestic airport lounge visits per year โ€” 1 per calendar quarter; at select partner lounges across major Indian airports (Chennai, Delhi, Mumbai, Bengaluru, Hyderabad, Kolkata, Pune, Ahmedabad, Jaipur, Kochi, Chandigarh, Coimbatore). No international lounge access.
Spend Based Fee Waiver
Annual fee waived if annual spends exceed โ‚น2 lakh in the membership year
Milestone Benefits
No specific milestone benefits; the fee waiver on โ‚น2L annual spend is the primary milestone
Other Benefits
Buy 2 Get 1 Free on movie tickets on Saturdays via BookMyShow (free ticket up to โ‚น250); 15% off at EazyDiner partner restaurants; 15% off at 1,000+ restaurants in major cities; available only in select cities (Mumbai, Delhi NCR, Bengaluru, Chennai, Hyderabad, Pune, Kolkata, Ahmedabad, Jaipur, Kochi, Coimbatore, Chandigarh, Baroda, Indore, Lucknow, Nagpur, Amritsar, Gurgaon, Noida, Surat)

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
โ‚น3,00,000 unauthorized use cover up to 24 hours before reporting card loss; no personal accident insurance
Add-on Cards
Add-on cards available at no extra fee; contactless payments enabled via HSBC India app
Concierge Services
Details coming soon
Special Offers
BookMyShow: Buy 2 Get 1 Free on Saturdays; EazyDiner 15% off; MakeMyTrip: Hotel cashback when using promo code VISASIGNATURE

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น999 + GST
Annual Fee / Renewal Fee
โ‚น999 + GST
โœ“ Waived on: Annual fee waived on spending โ‚น2 lakh or more in the membership year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.75% per month (45% per annum); late payment fee: 100% of Minimum Payment Due, minimum โ‚น250, maximum โ‚น1,200
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
100% of Minimum Payment Due, minimum โ‚น250, maximum โ‚น1,200 per month
Over Limit Charges
As per HSBC prevailing policy
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
Card available only in select cities โ€” verify your city eligibility before applying; self-employed individuals generally not eligible unless high NRV HSBC savings account held

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 18โ€“65 years (salaried) or 25โ€“65 years (self-employed โ€” rare exceptions only); minimum annual income โ‚น6 lakh (salaried); resident of eligible cities; Indian citizen
Credit Score Requirement
720+ CIBIL score recommended
Credit Limit
Based on income and HSBC credit assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Available on transactions; tenures 3โ€“24 months
Balance Transfer Facility
Available from other bank credit cards
Balance Transfer Interest Rate
As per HSBC prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via HSBC India app
Instant Fraud Alerts
SMS and email alerts for every transaction; real-time transaction controls via HSBC India app
Purchase Protection
โ‚น3 lakh cover against unauthorized use up to 24 hours before reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Cover for unauthorized transactions up to 24 hours prior to reporting card loss

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1800 267 3456 / 1800 121 2208 (toll-free, 24x7 for card loss); general queries: 6:30 AM โ€“ 8:40 PM
Chat / Email Support
Chat via HSBC India app; manage card, block/unblock, set limits via app
Mobile App
HSBC India app: manage card, track cashback, pay bills, block/unblock, contactless controls
Online Banking
Full management via HSBC India website and app

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:30 PM
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