HSBC Cashback Credit Card has now been rebranded as Live+ Credit Card. This card can be the best choice for those fond of shopping online, as it gives you a high cashback of 10% on grocery, food delivery, and dining spends and 1.5% on all other spends. HSBC Cashback Credit Card welcomes you with exclusive benefits, such as a gift voucher from Amazon. Since it’s a cashback card, you don’t have to worry about redeeming rewards like you have to do with reward points-based cards. The cashback is automatically credited back within 45 days of the card statement date.
Overview
Fees
Joining Fee: Rs 999+GST
Annual Fee: Rs 999+GST
Reward Type
Cashback
Return
1.5% to 10%
Rating
Benefits
Domestic Airport Lounge Access
Table Of Content
Eligibility
Credit Score | 750+ |
Occupation | Salaried |
Income for Salaried | Rs 4 Lakh |
City of Residence | Bangalore, Chennai, Gurugram, Hyderabad, Mumbai, New Delhi, Noida, Pune, Chandigarh, Kolkata, Jaipur and Ahmedabad |
HSBC does not provide the Live+ credit card to self-employed individuals. There are some rare exceptions if there is an existing saving account with a high balance. You would need a high NRV for this to work.
Fees
Joining Fee | Rs 999+GST |
Welcome Benefit | Spend Rs 10,000 within first 30 days to get Rs 1000 Amazon GV |
Annual Fee | Rs 999+GST |
Annual Fee Waiver | Spend Rs 2 Lakh in a membership year |
Renewal Benefit | None |
The joining fee is compensated with the Amazon GV. So, it is ‘free’ for the first year except the GST part.
Rewards
Type of Spend | CashBack | Capping |
Retail Spends | 1.5% | None |
Dining, Food Delivery and Grocery Spends | 10% | ₹ 1000/statement |
Fuel, Wallets, Rent, Property Management, Education, Government, Insurance, Jewellers, Tolls, Financial Institutions, Wholesale Clubs | None |
That is quite an exhaustive list of exclusions for 1.5% cashback. But, the HSBC Live+ credit card it is still a good option as other retail spends still get unlimited 1.5% cashback.
The 10% cashback on dining, food delivery and grocery spends is a big plus. It is valid for any spend in these categories. So, you can spend at any grocery shop or order from Swiggy/Zomato and get 10% cashback. If you can maximize on this, this alone will give you Rs 12000 worth of cashback in a year. We used the HSBC Live+ credit card at multiple online and offline stores to check the cashback. We got 10% cashback at DMart, Reliance Fresh, Swiggy Instamart, Swiggy food felivery, Zomato food delivery and blinkit. So it is quite easy.
Milestone
No Milestone Benefits.
CashBack Redemption
The earned cashback in a billing cycle is credited to the card account within 45 days of the card statement date.
Other Key Benefits and Charges
- Fuel Surcharge Waiver: Not Available
- Foreign Currency Markup: 3.5%+GST ~4.13%
- Interest Rates: 3.75% per month
Complimentary Airport Lounge Access
We do not get any complimentary airport lounge access on the SBI SimplySAVE credit card.
- Domestic Airport Lounge Access: 4Visits/Year
- International Airport Lounge Access: Not Available
Pros and Cons
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.
My Experience
The HSBC Cashback Credit Card is a great option for those who spend a lot on food-related categories and want to save money through cashback on all their purchases. This card offers an accelerated cashback rate on food-related expenses and a flat 1.5% cashback rate on everything else, making it a straightforward way to save money. A welcome voucher is included, but it only applies if you meet the spending requirement. Additionally, the card provides complimentary access to domestic lounges, which is convenient for domestic air travel. However, if you’re looking for more extensive travel benefits or benefits specific to other categories, this card may not be the ideal choice for you.
Final Thoughts
HSBC Live+ is one of the best cashback credit cards today. With 1.5% to 10% cashback on spends, it is a must have cashback credit card. We get an annual fee waiver at ₹ 2 Lakh spend. This is quite easy to achieve as major spend categories like dining, grocery and food delivery offer 10% cashback.

HSBC Live+ Credit Card
FAQ
I already have another HSBC credit card. Can I get this as a second card?
Yes, HSBC allows holding multiple credit cards.
How to apply?
You can apply online using the below link to get the HSBC Live+ credit card.