HSBC Live+ Credit Card – Features, Benefits, Fees & How to Apply

The HSBC Live+ Credit Card is tailored for modern lifestyles — offering cashback on dining, groceries, entertainment and online spends along with introductory rewards and useful privileges.

Introductory Offers Swiggy Discount ₹250 coupon within 60 days of activation Meal Vouchers Two meal vouchers worth ₹400 Airport Lounge Two complimentary lounge accesses

Key Features & Benefits Annual fee Waiver based on conditions (see Fees section) Cashback on online transactions Up to 1.5% Cashback on other transactions 1% Dining & Food Delivery Up to 10% cashback + Live+ Dining Program discounts (up to 15%) Groceries 10% cashback (capped as per terms) Entertainment 1.5% unlimited cashback on movies and streaming EMI Cashback on transactions converted to EMI Emergency services Emergency card replacement Insurance Available (check terms for details)

Perks & Privileges Live+ Dining Program: discounts up to 15% + 10% cashback on dining and food delivery. 10% cashback on groceries and 1.5% unlimited cashback on other retail transactions. 1.5% cashback on entertainment spends.

Latest Offers Spend ₹20,000 within 30 days (after downloading & logging into HSBC India Mobile Banking app) — get ₹1,000 cashback. Complete video KYC + apply online — get Amazon e-gift coupon worth ₹250. Myntra Offer: Spend ₹3,000+ and get 20% off (max ₹1,000/month). Offer valid till 31 Dec 2024 (one discount per card per calendar month during promotion).

Fees & Charges Type of Charge Fees Joining Fee ₹999 Annual Fee ₹999 (waived if annual spends exceed ₹2,00,000) Free Credit Period Up to 45 days Finance Charges 3.49% per month (41.88% p.a.) Minimum Payment Due 5% of total payment due (min ₹100) Cheque Dishonour Charges ₹500 Cash Advance Limit Up to 20% of credit limit Transaction Fee for Cash Withdrawal (Intl.) ₹100 at international ATMs Over Limit Fee ₹500 per month Late Payment Fee 100% of minimum payment due (min ₹250, max ₹1,200 per month)

Credit Limit Credit limit is assigned at HSBC's discretion. Factors include credit score, credit report, income, and past repayment behavior.

Eligibility Criteria Age: 18 to 65 years. Minimum annual salary (salaried): ₹4,00,000. Resident of India. Resident of eligible cities: Chennai, Delhi NCR, Pune, Noida, Hyderabad, Mumbai, Bangalore, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, or Kolkata.

Documents Required The bank may require the following (indicative list): Category Examples Identity Proof Aadhaar Card, Passport, Driving Licence Address Proof Ration Card, Voter ID, Passport, Aadhaar Card Income Proof Salary Slip, ITR, Form 16 Note: HSBC may request additional documents as needed.

Eligible Purchases — Cashback Example Category Value of Transaction Cashback Applicable Cashback Earned Dining ₹11,500 10% ₹1,150 Food Delivery ₹5,000 10% ₹500 Groceries ₹9,000 10% ₹900 Hotel ₹15,000 1.5% ₹225 Medicine ₹3,000 1.5% ₹45 Shopping ₹15,000 1.5% ₹225 Utilities ₹500 0% ₹0 Grand Total ₹1,495 Note: 10% cashback is subject to caps; 1.5% is unlimited where applicable.

How to Apply Click your affiliate application link or go to HSBC's official card application page. Complete online application form and submit required documents. Complete KYC (video KYC if prompted) and wait for HSBC's approval. Affiliate Note: This page contains an affiliate link. If you wish to apply, use the link below. Apply Now

Final Thoughts The HSBC Live+ Credit Card is a strong choice for those who prioritize cashback on dining, groceries and entertainment along with periodic promotional rewards. Review fees, eligibility and offer validity before applying to ensure it matches your spending pattern.

Disclaimer: Information on this page is indicative and subject to change. Check the bank's official terms & conditions before applying. This page contains an affiliate link.