HSBC
HSBC Live+ Credit Card
Annual Fee
₹1,179₹999 + GSTBase Reward
1.5% cashback
Foreign Markup
3.5%
Welcome Benefits
₹1,000 Cashback on Spending ₹20,000 in the First 30 Days
Product Highlights
- 10% accelerated cashback on grocery, food delivery, and dining spends.
- 1.5% unlimited cashback on all other transactions.
- Buy 2 get 1 free offer on movies through BookMyShow.
- Support for contactless payment with VISA wave technology.
Category Rewards
dining
10% on Dining + Food Delivery + Grocery
10%
dining
10% on Dining + Food Delivery + Grocery
10%
grocery
10% on Dining + Food Delivery + Grocery
10%
Fee Waiver
Renewal fee waived on expenditure of ₹2,00,000 in the previous year
Merchant-Specific Rewards
Amazon
10% CashBack(Max cap ₹1,000 per statement cycle)
Reward Calculator
Earns ₹4,221/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
₹5.4K
direct cashback
₹5.4K
via direct credit
Effective rate
3.46%
Annual fee
₹1,179
Year 1 net
+₹4,221
Year 2+ net
+₹4,221
ongoing
Adjust your spend by reward bucket
2 bucketsReal Reward Ceiling
Headline %s are gated by caps. Here's how far each accelerator stretches before it falls back to the base rate.
10% on Dining + Food Delivery + Grocery
Headline: 10.00% effective
₹1,000/cycle ÷ 10.00% = ₹10,000 eligible spend/cycle
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Excluded from rewards
fuel, emi pos conversion, cash advance, rent, wallet, insurance, jewelry
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
10% Cashback on Dining, Food, and Grocery Spends. 1.5% on All Other Eligible Spends.
Redemption
The cashback is credited back within 45 days of the card’s statement date.
Benefits & Features
Domestic: 4 complimentary domestic lounge access per annum (one each quarter) Full lounge access description
Pros & Cons
Pros
- High cashback of 10% on grocery, food delivery, and dining spends.
- Cashback credited automatically within 45 days.
- Complimentary domestic lounge access.
Cons
- No cashback on fuel, e-wallets, and certain other categories.
- Limited to residents of tier 1 cities.
Additional Info
The maximum cap is ₹1,000 per statement cycle for 10% cashback.
Excluded Categories
Partner Merchants
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Fees & Charges
Eligibility
Min Age
18 yrs
Salaried
₹4.0L+
Networks
Fee Waiver
Renewal fee waived on expenditure of ₹2,00,000 in the previous year