HSBC Live+ Credit card

Product Overview

Eligibility Criteria

✔️ Applicant must be an Indian resident

✔️ Age: 18 years and above

✔️ Salaried or self-employed individual

✔️ Stable source of income

✔️ Good CIBIL score (750+ preferred)

✔️ Must satisfy HSBC's internal credit assessment criteria

Features and Benefits

✔️ 10% cashback on dining, food delivery & grocery spends (up to ₹1,000 cashback per month)

✔️ 1.5% unlimited cashback on most other eligible spends

✔️ Welcome Benefit: ₹1,000 cashback on eligible spends within the first 30 days

✔️ Additional welcome vouchers worth up to ₹750 from Amazon Pay, Swiggy & Zomato on activation offer eligibility

✔️ Complimentary domestic airport lounge access (up to 4 visits annually, 1 per quarter)

✔️ Dining offers and lifestyle privileges through HSBC partner programs

✔️ Cashback automatically credited to the card account

✔️ Contactless payment enabled

Fees & Charges

✔️ Joining Fee: ₹999 + GST

✔️ Annual Fee: ₹999 + GST

✔️ Annual Fee Waiver: On annual spending above ₹2,00,000

✔️ Finance Charges: Up to approximately 3.75% per month

✔️ Forex Markup: Around 3.5%

✔️ Late Payment Charges: As per HSBC policy

Documents Required

✔️ PAN Card (Mandatory)

✔️ Aadhaar Card / Passport / Driving Licence

✔️ Address Proof

✔️ Income Proof (Salary Slip / ITR / Form 16)

✔️ Bank Statements (Last 3–6 Months)

✔️ Passport-size Photograph (if required)

FAQs

Q1. What cashback does HSBC Live+ Credit Card offer?
Ans. The card offers 10% cashback on dining, food delivery and grocery spends (subject to monthly cap) and 1.5% cashback on most other eligible spends.

Q2. Is there an annual fee waiver?
Ans. Yes, the annual fee is waived if annual spending exceeds ₹2 lakh.

Q3. Does the card provide airport lounge access?
Ans. Yes, it offers complimentary domestic airport lounge access benefits.

Q4. How is cashback credited?
Ans. Cashback is automatically credited to the credit card account as per HSBC's cashback program terms.

Q5. Who should apply for this card?
Ans. Users who spend heavily on groceries, dining, and food delivery services and prefer cashback over reward points.

Terms & Conditions

✔️ Cashback on dining, food delivery and grocery spends is capped at ₹1,000 per statement cycle.

✔️ Cashback is applicable only on eligible merchant categories and transactions.

✔️ Annual fee waiver is applicable upon achieving annual spending criteria.

✔️ Approval is subject to HSBC credit and risk assessment policies.

✔️ Benefits, cashback rates, and fees may change as per HSBC guidelines.