CardsGurujiCompare · Choose · SaveCheck all categoriesCheck all issuers
⌘K
Card Categories
Pick a card that matches how you actually spend.
Card Issuers
Explore cards from India's leading banks.
Last updated: 29 September 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
10% on Dining & Grocery
Capped at ₹1000/month
The privileges that come bundled in, beyond the reward points.
10% Cashback on essentials
BOGO Movies
An honest read on where this card earns its keep — and where it doesn't.
High Dining Cashback
Low fee
Cashback caps
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with HSBC before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how HSBC Live+ stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
Stay informed with recent credit card news, policy updates, and expert guides for HSBC Live+.
A roundup of credit card offers from HDFC, SBI, ICICI, Axis and others for Flipkart's Big Billion Sale 2026.
Unlock massive savings during the 2026 Amazon Great Indian Festival! Discover the top credit cards from ICICI, SBI, and HDFC that offer the best instant discounts, unlimited cashback, and ultimate shopping perks.
RBI's new rules from October 15, 2026 reshape fees, rewards and eligibility for UPI and credit cards in India.
Everything you need to know about HSBC Live+ fees, reward conversion, lounge access, and application eligibility.
HSBC Live+ has an annual fee of ₹999 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "₹1000 Cashback".
HSBC Live+ earns Cashback at a primary rate of 10% on Dining & Grocery. Specifically, Capped at ₹1000/month. Spends in Dining, Cashback categories provide the maximum valueback per transaction on this card.
A CIBIL credit score of 720 or above is strongly recommended for approval of HSBC Live+. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
HSBC Live+ is issued on the Visa network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
HSBC Live+ levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
HSBC Live+ currently features a welcome offer: "₹1000 Cashback". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include High Dining Cashback and Low fee. However, keep in mind that Cashback caps. Overall, HSBC Live+ delivers strong value if your regular spending aligns with Dining, Cashback.
HSBC Live+ is focused on Dining and Cashback valueback and does not include unconditional complimentary airport lounge visits as a core benefit. If lounge access is a deciding factor for your travels, consider pairing this with a dedicated premium travel credit card.
You can apply for HSBC Live+ directly through HSBC's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
