HSBC Bank
Live+ Credit Card
SimplifyCards take:A good fit if you want a card built for dining, food delivery, and grocery, and you want your rewards as simple, no-tracking cashback
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Best for simple cashbackBest for
10% Cashback on food, dining, grocery, shopping, and utility spends, auto-credited with no points to manage
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Avoid if you spend big on rent, insurance, and wallet loadsWatch out
These categories are excluded and won't earn rewards
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Good fit if you want a card built for dining, food delivery, and grocery, and you want your rewards as simple, no-tracking cashbackBottom line
It combines complimentary airport lounge access, a low 1.99% forex markup, and accelerated rewards on food, dining, grocery, shopping, and utility spends
Estimate your Cashback
Adjust your monthly spend to see the card's estimated annual value
How the card works
Cashback rates
| Category | Rate | Monthly cap | Statement quarter cap |
|---|---|---|---|
| Food, Dining, Grocery, Shopping, And Utility Spends | 10% Cashback | 1,200 Cashback | - |
| Eligible Contactless Fuel Spends | 2.5% Cashback | - | ₹ 250 |
| Other Spends | 1.5% Cashback | - | - |
Redemption
Statement balanceupto ₹ 1 per point
Important conditions
1
Domestic lounge2 visits per year
- 2 complimentary domestic airport lounge visits per year from 26 July 2026, based on reported HSBC cardholder communication
2
International lounge1 visits per year
- 1 complimentary international airport lounge visit per year from 1 September 2026, based on reported HSBC cardholder communication
3
Fee waiverRenewal fee waived on annual spends of ₹ 2 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- ₹1,000 cashback after logging into the HSBC India app and spending ₹20,000 within the first 30 days
- Voucher worth up to ₹750 for Amazon Pay, Zomato, and Swiggy on card activation with a single transaction of ₹300 or more
Additional benefits
- Visa Infinite privileges including airport meet-and-assist services, complimentary ITC hotel stay benefits, and Avis car rental benefits, subject to terms
- ₹250 quarterly cashback on eligible contactless fuel spends after ₹10,000 quarterly contactless fuel spend
- District by Zomato dining and movie offers, subject to terms
- Reported upgrade to Visa Infinite benefits effective 26 July 2026
Additional details
- Cashback is credited as statement credit within 45 days of the statement date
- Qualified annual spend of ₹2 Lakhs waives the renewal fee of ₹999
Latest Updates
Recent changes to this card
HSBC Live+ Visa Infinite upgrade reported from 26 July 202610 Jul 2026
- From 26 July 2026, Live+ offers 10% cashback up to ₹1,200/month on food, dining, groceries, shopping and utilities
- It also adds contactless fuel cashback, 1.99% forex markup, 2 domestic lounge visits/year, and 1 international lounge visit/year from 1 September 2026
Eligibility
Check this before you apply
Salaried
- Age 18 to 65 years
- Resident of India
- Minimum monthly income of ₹50,000 (₹6 Lakhs per annum)
- Reside in an eligible service city listed by HSBC
Self-employed
- Age 25 to 65 years
- Resident of India
- Minimum annual income of ₹12 Lakhs
- Reside in an eligible service city listed by HSBC
Exclusions
Spending that does not earn cashback
- International spends
- Hospital spends
- Local transportation spends
- Rental payments and commissions
- Insurance premium payments
- EMI transactions
- Government-related payments
- Educational spends
- Jewellery purchases
- Wallet loading transactions
- Cash advances
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