HSBC India Live+ Card
HSBC India
Annual / renewal fee
₹999 per year.
VerifiedHSBC Live+ Credit Card – Services Guide (Terms & Conditions / Cardholder Agreement)4 Aug 2026, 3:35 AM ISTHSBC India
Earn rate
- 10% cashback (up to ₹1,200 a month) on all dining, food delivery, grocery, shopping and utility spends.
- 1.5% unlimited cashback on most other spends.
VerifiedHSBC Live+ Credit Card – Services Guide (Terms & Conditions / Cardholder Agreement)4 Aug 2026, 3:35 AM ISTHSBC India
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hsbc.co.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hsbc.co.in — if a different card is shown first, use its card selector to pick this one.
Overview
Live+ Card by HSBC India. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹999 (add-on cardholder joining fee is NIL).
VerifiedHSBC Live+ Credit Card – Services Guide (Terms & Conditions / Cardholder Agreement)4 Aug 2026, 3:35 AM ISTHSBC India
Annual / renewal fee
₹999 per year.
VerifiedHSBC Live+ Credit Card – Services Guide (Terms & Conditions / Cardholder Agreement)4 Aug 2026, 3:35 AM ISTHSBC India
Fee waiver
Annual fee (including applicable GST) fully reversed if total eligible spend across primary and add-on cards exceeds ₹200,000 during the relevant previous anniversary year.
VerifiedHSBC Live+ Credit Card – Services Guide (Terms & Conditions / Cardholder Agreement)4 Aug 2026, 3:35 AM ISTHSBC India
Rewards
- 10% cashback (up to ₹1,200 a month) on all dining, food delivery, grocery, shopping and utility spends.
- 1.5% unlimited cashback on most other spends.
VerifiedHSBC Live+ Credit Card – Services Guide (Terms & Conditions / Cardholder Agreement)4 Aug 2026, 3:35 AM IST
Redemption value
- No separate rewards programme.
- Cashback is credited directly.
- Eligible cashback amount is credited to the credit card account within 45 days of the statement date.
- Cashback on reversed/cancelled/nullified transactions is recovered from the cardholder.
VerifiedHSBC Live+ Credit Card – Services Guide (Terms & Conditions / Cardholder Agreement)4 Aug 2026, 3:35 AM ISTHSBC India
Reward cap
- 10% cashback capped at ₹1,200 per month/billing cycle across all accelerated categories.
- 1.5% cashback on other spends is unlimited.
VerifiedHSBC Live+ Credit Card – Services Guide (Terms & Conditions / Cardholder Agreement)4 Aug 2026, 3:35 AM ISTHSBC India
Reward exclusion
VerifiedHSBC Live+ Credit Card – Services Guide (Terms & Conditions / Cardholder Agreement)4 Aug 2026, 3:35 AM ISTHSBC India
Travel & lounge
Lounge access
- 3 complimentary airport lounge visits annually: 2 complimentary domestic lounge visits limited to one usage every 6 calendar months.
- And 1 complimentary international lounge visit w.e.f. 1st September 2026.
VerifiedHSBC Live+ Credit Card – Services Guide (Terms & Conditions / Cardholder Agreement)4 Aug 2026, 3:35 AM ISTHSBC India
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
- ₹1,000 cashback on successfully downloading the HSBC India Mobile app and making transactions of at least ₹25,000 within the first 30 days of card issuance (offer for cards applied between 26 July 2026 and 31 December 2026).
- Credited within 60 days after completion of 30 days from card issuance.
VerifiedHSBC Live+ Credit Card – Welcome Cashback Offer Terms & Conditions4 Aug 2026, 3:35 AM ISTHSBC India
Dining benefit
The Live+ Reserve: curated chef's menus & complimentary beverages at coveted restaurants, plus lifestyle benefits and discounts at marquee brands (available from 1 August 2026 via The Live+ Reserve portal; per qualifying usage: set menu OR complimentary beverage OR complimentary dessert).
VerifiedHSBC Live+ Credit Card – Services Guide (Terms & Conditions / Cardholder Agreement)4 Aug 2026, 3:35 AM ISTHSBC India
Insurance
- Lost Card Liability: cardholder covered for misuse up to 24 hours before reporting and 7 days after reporting the loss to HSBC, for up to ₹100,000.
- Insurance provided by ICICI Lombard General Insurance Company Limited (available to valid primary cardholders only; PIN-based and counterfeit transactions not covered).
VerifiedHSBC Live+ Credit Card – Services Guide (Terms & Conditions / Cardholder Agreement)4 Aug 2026, 3:35 AM ISTHSBC India
Milestone benefit
- Myntra Launch Offer: 10% cashback on eligible shopping transactions on Myntra (via website/app) for the period 31 July 2026 to 31 October 2026.
- Capped collectively with other eligible categories at ₹1,200 per billing cycle.
- Credited within 45 days of statement date.
- After the offer period Myntra spends earn 1.5% unlimited cashback.
Verifiedharvested from product page4 Aug 2026, 3:35 AM ISTHSBC India
Eligibility
Eligibility
- Cardholder can apply for up to three additional (add-on) credit cards for spouse, parents, siblings or children above 18 years.
- Additional cards share the credit limit on the primary card.
VerifiedHSBC Live+ Credit Card – Services Guide (Terms & Conditions / Cardholder Agreement)4 Aug 2026, 3:35 AM ISTHSBC India
Charges & interest
Forex markup
- 1.99% foreign exchange mark-up on international transactions.
- 1.5% cashback no longer earned on international spends.
VerifiedHSBC Live+ Credit Card – Services Guide (Terms & Conditions / Cardholder Agreement)4 Aug 2026, 3:35 AM ISTHSBC India
Charge
- Finance charge on extended credit: 3.75% per month (45% per annum) from date of transaction.
- Cash advance transaction fee: 2.5% of transaction amount (min ₹500) at branches and ATMs.
- Finance charge 3.75% per month.
- Cash advance limit: up to 20% of credit limit.
- Currency conversion charge (foreign currency transactions): 1.99%.
- Late payment fee: 100% of MPD (min ₹250, max ₹1,200 per month).
- Overlimit fee: 2.5% of overlimit amount or ₹500 (whichever higher) + GST.
- Bounced cheque/dishonoured SI/unsuccessful NACH: ₹500.
- Transaction fee for cash withdrawal against bank account at ATMs overseas: ₹100.
- Cash payment charge (bill payment in cash at HSBC branches/drop-boxes): ₹100.
- Balance transfer: interest 10.99% to 15.99% p.a. across tenures, processing fee 1.5% (min ₹200).
- Rental and related payments (w.e.f. 25 January 2023): 1% processing fee plus applicable taxes.
- All fees charged with applicable taxes.
VerifiedHSBC Live+ Credit Card – Services Guide (Terms & Conditions / Cardholder Agreement)4 Aug 2026, 3:35 AM ISTHSBC India
Fuel surcharge waiver
- 1% fuel surcharge waiver.
- Waiver applicable if transaction amount is between ₹400 and ₹4,000 (inclusive, excluding surcharge amount).
- Separate limited offer: ₹250 cashback on fuel contactless transactions on quarterly spends of ₹10,000 or more (26 July 2026 to 31 December 2026).
- Single fuel contactless transaction between ₹1,000 and ₹5,000.
Verifiedharvested from product page4 Aug 2026, 3:35 AM ISTHSBC India
Interest-free period
- Up to 45 days free credit on purchases.
- Not applicable if any balance of the previous month's bill is outstanding and not applicable for cash advance transactions.
VerifiedHSBC Live+ Credit Card – Services Guide (Terms & Conditions / Cardholder Agreement)4 Aug 2026, 3:35 AM ISTHSBC India
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Live+ Card?
Officially traced: Rs. 999 per year.
HSBC Live+ Credit Card – Services Guide (Terms & Conditions / Cardholder Agreement)What is the joining fee on the Live+ Card?
Officially traced: Rs. 999 (add-on cardholder joining fee is NIL).
HSBC Live+ Credit Card – Services Guide (Terms & Conditions / Cardholder Agreement)Is the Live+ Card annual fee ever waived?
Annual fee (including applicable GST) fully reversed if total eligible spend across primary and add-on cards exceeds Rs. 200,000 during the relevant previous anniversary year.
HSBC Live+ Credit Card – Services Guide (Terms & Conditions / Cardholder Agreement)How does the Live+ Card earn rewards?
10% cashback (up to Rs. 1,200 a month) on all dining, food delivery, grocery, shopping and utility spends.
HSBC Live+ Credit Card – Services Guide (Terms & Conditions / Cardholder Agreement)What lounge access does the Live+ Card include?
3 complimentary airport lounge visits annually: 2 complimentary domestic lounge visits limited to one usage every 6 calendar months.
HSBC Live+ Credit Card – Services Guide (Terms & Conditions / Cardholder Agreement)What welcome benefit does the Live+ Card offer?
Rs. 1,000 cashback on successfully downloading the HSBC India Mobile app and making transactions of at least Rs. 25,000 within the first 30 days of card issuance (offer for cards applied between 26 July 2026 and 31 December 2026).
HSBC Live+ Credit Card – Welcome Cashback Offer Terms & ConditionsWhat are the transfer ratios for Live+ Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.hsbc.co.in/credit-cards/products/live-plus/.
VerifiedHSBC Live+ Credit Card – Services Guide (Terms & Conditions / Cardholder Agreement)4 Aug 2026, 3:35 AM ISTHSBC India
Verified 2026-08-03 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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