Find Out How HSBC Live Plus Credit Card Turns Everyday Spending Into Cashback

Bio

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

30 Mar 26
5 mins

Shreyansh Singh

08 Mins
30-03-26

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Table of Contents

HSBC Live Plus Credit Card Benefits
Example of Monthly Cashback with HSBC Live+ Credit Card
HSBC Live Plus Credit Card Accessible Lounge List
HSBC Live Plus Credit Card Fees and Charges
HSBC Live+ Credit Card Eligibility Requirement

Earn up to 10% cashback on dining and groceries.
Receive 4 domestic airport lounge visits every year.
Welcome cashback reward of ₹1,000 after eligible spending.
Get a ₹250 Amazon eGift voucher on online application.

The HSBC Live Plus Credit Card is designed for people who enjoy dining, shopping, and entertainment while earning rewards.

This card offers attractive cashback on everyday spending and lifestyle purchases. Cardholders can earn up to 10% cashback on selected categories they love. In addition to cashback benefits, the card also provides travel privileges such as airport lounge access.

With a joining and annual fee of ₹999, the HSBC Live+ Credit Card makes everyday spending more rewarding and enjoyable.

HSBC Live Plus Credit Card Benefits

Enjoy a comfortable journey with HSBC Live Plus Credit Card lounge access. It includes 4 complimentary domestic airport visits every year, available once per quarter.

Eager to know what are the other HSBC Live+ Credit Card features? Along with travel comfort, the card also offers exciting cashback rewards and welcome offers.

Welcome Rewards

Get ₹1,000 cashback when you log in to the HSBC India Mobile Banking app and spend ₹20,000 within 30 days.
Receive an ₹250 Amazon eGift Voucher when you apply online, complete video verification, and get the card.

Dining and Grocery Cashback

Earn 10% cashback on dining and food delivery across India.
Get 10% cashback on grocery spending.

Other Cashback Offers

Earn 1.5% unlimited cashback at other retailers.
Get 1.5% unlimited cashback on movies, entertainment, selected home categories, and overseas spending for extra savings.

Example of Monthly Cashback with HSBC Live+ Credit Card

The illustration shows how cashback may accumulate in a month when you use the card wisely across common spending categories.

Category	Estimated Transaction	Cashback Rate	Cashback Earned
Dining	₹5,000	10%	₹500
Food Delivery	₹3,000	10%	₹300
Groceries	₹2,000	10%	₹200
Hotel	₹10,000	1.5%	₹150
Medicine	₹2,000	1.5%	₹30
Shopping	₹8,000	1.5%	₹120
Utilities	₹1,000	NA	₹0

The estimated monthly cashback in this example is ₹1,300, though the actual value may vary based on your family’s spending habits.

💡To ensure these savings are not affected by missed payments, use the secure and GST-compliant Pice App to receive timely credit card bill payment reminders.

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HSBC Live Plus Credit Card Accessible Lounge List

Below is a list of cities, airports, and lounges you may access with this card. These domestic lounge benefits are provided under the Visa lounge programme.

City	Airport	Lounge
Bangalore	Kempegowda International Airport	080 Domestic Lounge
Chandigarh	Chandigarh International Airport	Primus Lounge
Chennai	Chennai International Airport	Travel Club
Dehradun	Dehra Dun Jolly Grant Airport	Bird Lounge
Hyderabad	Rajiv Gandhi International Airport	Encalm Lounge
Kolkata	Netaji Subhash Chandra Bose International Airport	Travel Club
Mumbai	Chhatrapati Shivaji International Airport	Aviserv Lounge
New Delhi	Indira Gandhi International Airport	Encalm Lounge

HSBC Live Plus Credit Card Fees and Charges

Cardholders get up to 45 days of interest-free credit on eligible purchases. If the full outstanding balance is not cleared by the due date, finance charges of 3.75% per month (45% annually) may apply.

The table below illustrates the key charges associated with Live+ Credit Card:

Parameters	Charges
Cheque Bounce Charges	₹500
Late Payment Fees	100% of MPDMin. ₹250 and max. ₹1,200 per month
Cash Advance Charges	2.5% or min. ₹500
Overlimit Fees	2.5% or ₹500, whichever is higher
Cash Payment Charges	₹100

Now that you have an overview of the card, wondering if you meet the HSBC Live Plus Credit Card eligibility criteria? Check it out yourself.

HSBC Live+ Credit Card Eligibility Requirement

To apply for the HSBC Live Plus Credit Card, applicants must produce documents such as a recent salary slip, identity proof, address proof, PAN card and meet certain eligibility conditions. The bank may request additional documents during the verification process.

Applicants should be 18 to 65 years old and must be Indian residents.
Salaried individuals should have a minimum annual income of ₹6,00,000.

Note: Applicants must reside in eligible cities such as Delhi NCR, Mumbai, Bengaluru, Hyderabad, Chennai, Pune, Kolkata, Jaipur, Ahmedabad, Kochi, Coimbatore, Lucknow, Indore, Chandigarh, Amritsar, Baroda, Noida, or Gurgaon.

💡Once you start using credit cards regularly, managing credit card bill payments can become difficult. The Pice App helps you link multiple credit cards, pay bills directly through the app, and track payment status easily from one secure dashboard.

Footnotes

The 10% cashback on dining, food delivery, and grocery spending has a combined cap of ₹1,000 per billing cycle.
The ₹999 annual fee is waived only when spending on the primary card exceeds ₹2,00,000 in the applicable year.
Foreign currency transactions attract a markup charge of 3.5%.

FAQs

How are credit limits shared with cardholders?

The bank shares your credit limit and cash withdrawal limit, which is often 20% of the total credit limit through the monthly card statement. The bank may revise the limit from time to time based on internal policies.

When will cardholders receive the welcome cashback?

Eligible customers receive the ₹1,000 welcome cashback within 60 days after completion of the first 30 days from card issuance. The reward is credited once the required spending conditions are fulfilled.

Who qualifies for the Amazon eGift voucher offer?

Applicants who apply online and complete Video KYC during the 1 January 2026 to 31 March 2026 offer period may receive the Amazon eGift voucher. The offer applies only to successful card issuance.

When will the Amazon eGift voucher be delivered?

The Amazon eGift voucher WinPin code is sent to the registered email address. It is usually delivered within 45 days after the offer ends on 15 May 2026.

How can cardholders change transaction limits on the card?

Open the HSBC India Mobile Banking app and select your credit card from the dashboard. Tap Manage Cards, choose Transaction Type Control, update the limits, and save the request.

What are the balance transfer limits on HSBC credit cards?

The minimum balance transfer amount is ₹3,000, while the maximum can reach up to 90% of the card’s credit limit. If the request exceeds 90%, the bank may decline it and inform the cardholder.

What is the Loan-on-Phone facility on HSBC credit cards?

Loan on Phone allows cardholders to convert purchases above ₹2,000 into installments. The request must be placed within 15 calendar days of the transaction. Cash withdrawals and card fees remain ineligible.