Visa 📡 Contactless NFC

HSBC Live+ Credit Card

Joining Fee₹999

Annual Fee₹999

Forex Markup 1.99%

Apply & Earn ₹800 →

⚖️ Card Verdict & Target Persona

Who Should Apply

Urban spenders, foodies, and families looking for 10% direct statement cashback on restaurant dining, food delivery, and supermarkets with 4 domestic lounge visits.

Who Should Avoid

Spenders with heavy non-food offline bills or those seeking air mile transfer capabilities.

🎁 Key Features & Highlights

✨

Exclusive Platform Reward

LTFCards Bonus

Claim an Amazon Gift Voucher worth up to ₹800 directly upon successful card approval.

Claim ₹800 & Apply →

🎉

Joining & Activation Welcome Gift

₹1,000 cashback on logging into the HSBC India Mobile app and spending ₹25,000 within the first 30 days

10% Cashback on Dining, Food Delivery & Groceries

10% direct statement cashback on dining, food delivery apps (Swiggy, Zomato), and groceries (capped at ₹1,000/month).

1.5% Unlimited Cashback on Other Spends

1.5% unlimited direct cashback on all other eligible online and offline retail transactions.

Domestic Airport Lounge Access

4 complimentary domestic airport lounge visits per calendar year (1 visit per quarter).

💰 Reward Structure & Point Valuation

1 Direct Cashback = ₹1

Standard Base Earning

1.5% unlimited direct cashback on all other eligible online and offline retail purchases

Accelerated / Partner Rate

10% direct statement cashback on Dining, Food Delivery (Zomato, Swiggy, standalone eateries), and Groceries (Blinkit, Instamart, Zepto, supermarkets), capped at ₹1,000 per statement cycle; 1.99% low foreign currency markup fee

Points Validity:Auto-credited monthly

Redemption Fee: ₹0 (Free)

Redemption Modes: Direct Statement Credit (Auto-adjusted against monthly bill balance)

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Rent Payments Government Transactions Insurance Education Jewellery Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits4 complimentary domestic airport lounge visits per calendar year (1 visit per quarter)

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: None (Unconditional complimentary access)

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹200,000/yr

Annual renewal fee of ₹999 + GST is waived off on spending ₹2,00,000 or more in the previous anniversary year

UPI Payments Support✗ Not Supported

UPI not supported on Visa network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 65 Years

Min. Monthly Income₹50,000

Min. Credit Score720 CRIF

Employment Typesalaried

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.75% per month (45.0% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,200

Official Bank Portal Application

Get the HSBC Live+ Credit Card

Annual Fee: ₹999/yr (Waivable)

Apply & Claim ₹800 →

Personalized Card Matcher

Still Confused About Your Best Match?

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⚡ Instant Net Yield Math•🛋️ Lounge Fee Gate Check•🆓 100% Free & Impartial

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Frequently Asked Questions

No, HSBC Live+ Credit Card has a joining fee of ₹999 and an annual renewal fee of ₹999 (plus applicable taxes).

HSBC Live+ Credit Card ₹999/yr