HSBC India Live+ Card
Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate
Open to new applications · Earns cashback
First-year fee
₹999 to join.
Annual fee
₹999 a year.
What it gives back
1.5% cashback · everyday spends
How it compares
Compared with the cards we have read
Fees
Annual fee
₹999 a year.
Joining fee
₹999 to join.
Fee waiver rule
Waived if you spend more than ₹200,000 per year.
Welcome offer
Welcome benefit
Receive a voucher worth ₹750 for Amazon Pay, Zomato and Swiggy when you activate your card with a single transaction of ₹300 or more.
Rewards
Reward rate
1.5% cashback · everyday spends1.5% unlimited cashback on most other spends.
Fuel earning
₹250 cashback on contactless fuel purchases when you spend ₹10,000 per quarter.
Groceries earning
10% cashback on groceries, shopping and utility spends.
Reward earning on dining spends
10% cashback on dining and food delivery.
Utilities earning
10% accelerated cashback, up to ₹1,200 a month, on all dining, food delivery, grocery, shopping and utility spends
Reward caps
10% cashback capped at ₹1,200 a month.
Cashback redemption
The cashback you earn will be credited to your credit card within 45 days of the card statement date
Card benefits
Domestic lounge access
Enjoy 2 complimentary domestic and 1 international airport lounge visits each year.
International lounge access
1 complimentary international airport lounge visit each year.
Hotel or travel programme
Enjoy a complimentary 3rd night for every 2 consecutive paid nights, or stay for 2 nights and get 50% off the 2nd night with ITC Hotels.
Dining programme
The Live+ Reserve, Powered by DineWithTimesPrime: Get complimentary beverages and desserts to complete your dining experience.
Concierge
Visa Concierge: Get recommendations, make reservations and receive immediate assistance 24/7.
Movie or entertainment ticket benefit
Get buy-one-get-one cinema tickets, plus 10% off live events, with BookMyShow.
Movies and entertainment
Buy-one-get-one cinema tickets via the District app by Zomato; save up to 50%, up to ₹300, on the first 3 pickleball, padel, football or tennis bookings with District Play
Charges
Forex markup
1.99% on foreign currency transactions.
Cash advance fee
2.5% of transaction amount (subject to a minimum amount of ₹500)
Interest on unpaid balance
3.75% per month (45% per annum), computed from the date of transaction.
Interest-free period
45 days interest-free when you pay in full.
Late payment fee
100% of the Minimum Payment Due (MPD), subject to minimum fees of ₹250 and maximum fees of ₹1,200 per month
Eligibility
Income requirement
Minimum income of ₹600,000 per year for salaried individuals or ₹12,00,000 per year for self-employed individuals
Minimum age
Be aged between 18 to 65 years old for salaried individuals, or 25 to 65 years old for self-employed individuals.
Documents required
The latest salary slip if salaried, or proof of residence, identity proof and PAN card.
Residency
Indian resident, residing in Chennai, Gurgaon, Delhi National Capital Region (NCR), Pune, Noida, Hyderabad, Mumbai, Bengaluru, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, Kolkata, Amritsar, Baroda, Indore, Lucknow, Nagpur, Surat or Trivandrum.
How we know - 4 documents from HSBC India, checked 19 Oct 2026
₹999 a year
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