The HSBC Live+ Credit Card is a Visa-powered cashback credit card issued by HSBC Bank India. It is built around a two-tier cashback structure:

• 10% accelerated cashback on dining, food delivery, and grocery spends (capped at Rs 1,000 per billing cycle)
• 1.5% unlimited cashback on all other eligible retail purchases with no cap

The card targets everyday spenders who prioritize dining and grocery categories. Cashback is automatically credited to the card account within 45 days of the statement date, eliminating the need for manual redemption.

The primary benefit is the generous cashback structure:

• 10% cashback on dining, food delivery (Swiggy, Zomato), and grocery spends (DMart, Blinkit, etc.) - capped at Rs 1,000 per billing cycle
• 1.5% unlimited cashback on shopping, travel, medicine, hotels, and other eligible retail categories
• Cashback auto-credited within 45 days of statement date

Airport Lounge Access

Enjoy 4 complimentary domestic airport lounge visits per year (1 per calendar quarter) at participating airport lounges across India.

Dining Programme

Get up to 15% off at 200+ partner restaurants across India through the exclusive Live+ Dining Programme. Combined with the 10% cashback on dining spends, this makes the card excellent for food enthusiasts.

Movie Benefits

Enjoy Buy 2 Get 1 free movie tickets on BookMyShow every Saturday. The maximum value of the complimentary ticket is Rs 250.

EMI Conversion

Convert purchases of Rs 2,000 or more into convenient EMIs through the Loan on Phone feature. Balance Transfer on EMI and Cash on EMI facilities are also available.

• Rs 1,000 cashback on downloading the HSBC India Mobile Banking app and spending Rs 20,000 within the first 30 days of card issuance
• Rs 250 Amazon eGift Voucher on applying online and completing video self-verification (valid till 31 March 2026)

Annual Fee Waiver

• Annual fee of Rs 999 is waived on annual spends of Rs 2 lakh or more
• The fee is levied at the end of the anniversary year and reversed on meeting the spend criteria

The HSBC Live+ Credit Card provides 4 complimentary domestic airport lounge visits per year, with a maximum of 1 visit per calendar quarter.

• Lounge access is available at select domestic airports across India
• Access is for the primary cardholder only
• One visit per quarter ensures year-round coverage
• No international lounge access is provided

For the complete list of participating lounges, refer to the Live+ Lounge Access document available on the HSBC website.

The HSBC Live+ Credit Card uses a straightforward cashback model with no points conversion needed:

• 10% cashback on dining, food delivery, and grocery spends - capped at Rs 1,000 per billing cycle
• 1.5% unlimited cashback on all other eligible retail spends with no cap

Cashback Exclusions

No cashback is earned on: fuel, e-wallets, rent/property management, education and government payments, insurance, jewelry, gambling, tolls, financial institutions, collection agencies, charity, money transfers, and wholesale clubs.

Cashback Redemption

Cashback is automatically credited to your credit card account within 45 days of the statement date. There is no manual redemption process required, making it one of the most hassle-free cashback cards available.

Monthly Earning Example

On monthly spends of Rs 59,000 across dining (Rs 11,500), food delivery (Rs 5,000), groceries (Rs 9,000), hotels (Rs 15,000), medicine (Rs 3,000), and shopping (Rs 15,000), you could earn approximately Rs 1,495 in cashback (Rs 1,000 from 10% categories + Rs 495 from 1.5% categories).

• Must be an Indian resident
• Age: 18 to 65 years
• Minimum annual income: Rs 6,00,000 for salaried individuals
• Recommended CIBIL score: 750+

City Availability

The card is available only in select cities: Mumbai, Delhi NCR, Bangalore, Chennai, Hyderabad, Pune, Kolkata, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, Amritsar, Baroda, Indore, Lucknow, and Noida.

Self-Employed

The card is generally not available for self-employed individuals unless they maintain a high-balance HSBC savings account.

• Latest salary slip (for salaried employees)
• Form 16 or IT Returns
• Bank statements (last 3 months)

Identity Proof

• Aadhaar Card
• Passport
• PAN Card (mandatory)
• Driving Licence

Address Proof

• Aadhaar Card
• Passport
• Voter ID
• Utility bill (recent)

Note: Additional documents may be requested during the application process.

1. Visit the official HSBC Live+ Credit Card page at hsbc.co.in
2. Click on the "Apply for Live+ card" button
3. Fill in your personal, employment, and financial details
4. Complete Video KYC for faster processing and earn a Rs 250 Amazon eGift Voucher
5. Submit the application and wait for approval

Apply via Branch

1. Visit your nearest HSBC branch in an eligible city
2. Carry all required documents
3. Fill the application form and submit

Apply by Phone

Call HSBC customer care at 1800 267 3456 (toll-free) to request a credit card application.

The HSBC Live+ Credit Card stands out as one of the best cashback credit cards in India for individuals whose spending is concentrated on dining, food delivery, and groceries. The combination of 10% accelerated cashback on these everyday categories and 1.5% unlimited cashback on everything else makes it a strong value proposition.

With a low annual fee that is easily waived on Rs 2 lakh annual spend, 4 complimentary domestic airport lounge visits, and automatic cashback credits, this card delivers convenience alongside rewards. It is particularly recommended for salaried professionals in metro cities who regularly spend on food and dining. However, travelers and fuel spenders should look elsewhere for better benefits in those categories.