HSBC Live+ Credit Card
HSBC India
HSBC Live+ Credit Card
HSBC India
Annual Fee
₹999
Effective Rate
1.00%
Network
VISA
Point Value
₹1.00/pt
About HSBC Live+ Credit Card
10% cashback on dining/food delivery/groceries (capped); lower rates on other categories. HSBC co-brand.
Best For
Pros & Cons
thumb_upPros
- check_circleDomestic Airport Lounge
- check_circleDining Cashback
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelAnnual fee of ₹999 with no waiver option
- cancelForeign transaction fee applies on overseas spends
Reward Earning Structure
Each point is worth ₹1.00 — an effective return of 1.00% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 10% | 1000 pts≈ ₹1,000 |
| All other spends | 1.5% | 150 pts≈ ₹150 |
Cashback is credited directly to your statement, reducing your outstanding balance. No redemption required.
Card Benefits
Domestic Airport Lounge
2 complimentary domestic lounge visits per quarter
~₹4,000/yr value
Dining Cashback
5% cashback on dining spends
~₹4,000/yr value
Fuel Surcharge Waiver
1% fuel surcharge waiver at all petrol pumps
~₹2,500/yr value
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹2,00,000 (ANNUAL)
Annual Fee Waiver – ₹2L Spend: Annual fee of ₹999 waived on annual spends of more than ₹2,00,000 in the card anniversary year.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the HSBC India website.
| Annual Fee | ₹999 |
| Forex Markup | As per issuer schedule |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about HSBC Live+ Credit Card.
Ready to apply for HSBC Live+ Credit Card?
Apply directly on the HSBC India website. Most decisions within 7–10 working days.
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