HSBC Live Plus Credit Card
- Best For: Cashback
- Get a Rs 100 Amazon voucher
- 10% accelerated cashback
- 1.5% unlimited cashback on other
- 4 complimentary domestic lounge
- Spend Rs 20,000 within the first 30 days
The HSBC Live+ Credit Card is a popular cashback credit card designed for people who spend regularly on food, groceries, and dining. It gives users a high 10% cashback on these everyday categories, which makes it a great choice for families and young professionals. This card also offers 1.5% unlimited cashback on all other regular shopping, making it simple to use without worrying about complicated reward points.
Along with cashback, cardholders get access to other useful benefits. These include 4 free domestic airport lounge visits per year, a buy-one-get-one offer on BookMyShow movie tickets every Saturday, and welcome rewards like cashback and Amazon gift vouchers.
However, the card has a joining fee of ₹999, which can be waived if you spend ₹2 lakh in a year. It also does not offer cashback on some categories like rent payments, insurance, fuel, and utility bills. The card is only available to salaried people in select Indian cities.
Overall, the HSBC Live+ Credit Card is a simple and rewarding option for people who spend often on food and groceries. It is easy to manage, and the rewards come without the need to track complicated conditions or rotating categories.
About HSBC Live Plus Credit Card
- Get a Rs 100 Amazon voucher when you activate your card successfully
- 10% accelerated cashback on dining, food delivery and grocery spend, capped at up to Rs 1000/month
- 1.5% unlimited cashback on other retail purchases
- Spend Rs 20,000 within the first 30 days of card activation and get Rs.1000 cashback
- 4 complimentary domestic lounge visits per year (1 per quarter)
- Exclusive monthly offers on Amazon, Amazon pay, Blinkit, Easydinner, Pharmeasy,etc.
Fees & charges
- Joining Fee: Rs 999 + GST
- Annual Fee: Rs 999+ GST, get annual fee waiver on spending Rs 2,00,000 or more in a year
Pros
- 4 free access to airport lounges.
- Cashback of 1.5% on all online spends.
- 10% accelerated cashback on all dining, food delivery and grocery spends.
Cons
- HSBC Cashback card has an annual fee of ₹999 and is waived off only on spending ₹2 lakh or more in a year.
- Cashback is capped at ₹1,000 per billing cycle for dining, food delivery, and grocery spends.
- No cash back on fuel, rent payments, education and government-related transactions.
- HSBC Cashback credit card is only given to people who reside in Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, New Delhi, Noida, and Pune.
Conclusion
The HSBC Live+ Credit Card is a good choice if you spend regularly on groceries, dining, and food delivery. It gives you high cashback, easy benefits, and useful offers like free airport lounge access. If you spend enough each year, you can also avoid the annual fee. But make sure you live in a supported city and meet the income rules. If you want a card that gives back on daily spending without much effort, this one is worth considering.
Eligibility Criteria
- Age: 21 to 65 years
- Employment status: Only Salaried
- Salaried: Minimum monthly income of Rs 55,000
- Cibil Score: 750+
- You must reside in Chennai, Gurgaon, Delhi National Capital Region (NCR), Pune, Noida, Hyderabad, Mumbai, Bangalore, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad or Kolkata
- New to Credit allowed for salaried only
Documents Needed
- ID Proof: PAN Card/Form 60/Passport
- Address Proof: Aadhaar, Passport, or utility bills
- Income Proof: Bank statements or salary slips
- Photograph: Recent passport-sized photo
Frequently Asked Questions
1. How can I redeem my cashback?
Your cashback will be automatically adjusted in your next month’s credit card bill. You don’t need to do anything special.
2. How do I cancel my HSBC Cashback Credit Card?
To cancel your card, you can call HSBC customer care or visit your nearest HSBC branch. Make sure you clear all dues before canceling.
3. What are the exclusions from cashback?
Cashback is not given for payments like rent, fuel, insurance, utility bills, and wallet loads (like Paytm or PhonePe).
4. What is my credit limit?
Your credit limit depends on your income, credit score, and HSBC’s approval process. You will be told your limit after the card is approved.
5. How do I activate my HSBC Cashback Credit Card?
You can activate it by calling customer care, using internet banking, or following the steps given with the card. You may also get an SMS link.
6. What are the joining and annual fees for the HSBC Cashback Credit Card?
The joining fee is ₹999 + taxes. The annual fee is also ₹999 + taxes but is waived if you spend ₹2 lakh in a year.
7. Who is eligible for the HSBC Cashback Credit Card?
You must be a salaried person with a good credit score, earning at least ₹4 lakh per year, and living in select cities approved by HSBC.
8. How do I make a payment on my HSBC Cashback Credit Card?
You can pay your HSBC credit card bill using:
Net banking (HSBC or other banks)
Mobile banking
NEFT/RTGS transfer
Auto-debit from your bank account
Payment through apps like Paytm or Google Pay
9. When will I receive my cashback?
Cashback is added to your account in the next billing cycle (usually the next month). It will show in your credit card statement and reduce your bill amount.
10. What is the HSBC Cashback Credit Card?
It’s a credit card that gives you money back (cashback) when you spend on certain things like food, groceries, and other shopping. It also offers extra benefits like free airport lounge access and movie ticket offers.
11. How do I apply for the HSBC Cashback Credit Card?
You can apply online by visiting the HSBC website or through financial service platforms. Fill in your details, upload documents, and complete the verification process.
12. What are the benefits of the HSBC Cashback Credit Card?
10% cashback on dining, food delivery & groceries (up to ₹1,000/month)
1.5% cashback on other spends (no limit)
4 free domestic lounge visits per year
Buy 1 Get 1 free movie ticket (BookMyShow, every Saturday)
Welcome benefits like Amazon voucher and cashback
