HSBC Live+ is best for families spending on dining, groceries, shopping and bills. 10% cashback on dining, food delivery, groceries, shopping and utilities (up to ₹1,200 a month).
Effective value back per ₹100 spent. Cashback auto-credited to the statement.
Estimated yearly value after fees and caps for typical spending patterns.
| Balanced spender ₹3,96,000/yr spend | ₹15,840 |
|---|---|
| Online shopper ₹3,90,000/yr spend | ₹14,940 |
| Frequent traveller ₹8,04,000/yr spend | ₹19,322 |
| Family & groceries ₹5,88,000/yr spend | ₹16,200 |
2 domestic + 1 international visit a year
Improvement HSBC
10% cashback extended to shopping and utilities, with the monthly cap raised from ₹1,000 to ₹1,200.
Reviews are written by readers and checked by us before publishing. They're personal experiences and don't affect our rankings, which are calculated from card terms.
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The HSBC Live+ credit card has a joining fee of ₹999 and an annual fee of ₹999, plus 18% GST. The annual fee is waived if you spend ₹2,00,000 or more in a card year.
The HSBC Live+ card is best for: families spending on dining, groceries, shopping and bills. Its main strengths are: 10% cashback on dining, food delivery, groceries, shopping and utilities (up to ₹1,200 a month); 1.5% unlimited cashback on most other spends. Its main drawback: 10% tier capped at ₹1,200 per month across all accelerated categories.
The HSBC Live+ card charges a 1.99% forex markup on international transactions, plus 18% GST on the markup.
Yes: 2 domestic + 1 international visit a year. Banks often attach spend conditions to lounge access, so check the latest terms.