HSBC Live+ Credit Card
HSBC India · Visa
Why this card?
- 10% cashback on dining and food delivery, groceries, online shopping and bills and recharges, up to ₹1,200 a month; 1.5% on other spends
- ₹999 joining and annual fee; renewal fee waived on ₹2 lakh yearly spend
- 2 domestic and 1 international airport lounge visits a year
Card details
- Issuer
- HSBC India
- Network
- Visa
- Annual Fee
- ₹999
- Joining Fee
- ₹999
- Reward Type
- cashback
- Best Reward Rate
- 10% on dining (capped at ₹1200/month)
- Forex Markup
- 1.99%
- Domestic Lounge
- 2/yr
- Min. Monthly Income
- ₹50,000
- Rates verified
- 2026-10-06
Our verdict
HSBC Live+ has one of the highest cashback rates on dining, food delivery, groceries, shopping and utilities at 10% — but the ₹1,200/month cap, shared across these categories, means you hit the ceiling at just ₹12,000 spend. At ₹999/year (waived at ₹2L spend), it's an excellent card if your spend in these categories is moderate; less useful if you spend heavily in them.
Pros
- 10% cashback on dining, food delivery, groceries, shopping and utilities, up to ₹1,200 a month
- 1.5% unlimited cashback on most other spends — generous base rate
- Direct cashback to statement — no points to track or redeem
- Annual fee waived at ₹2L annual spend
Cons
- ₹1,200/month cashback cap on the 10% tier — max ₹14,400/year from it regardless of spend
- No fuel surcharge waiver — unusual for a ₹999/year card
- Only 2 domestic and 1 international lounge visit a year