HSBC Live+ Credit Card Review
The HSBC Live+ is one of India’s stronger everyday cashback cards — 10% back on dining, grocery and food delivery and an unlimited 1.5% on everything else, with lounge access and a low, waivable fee. Here is the verified review.
- 10% cashback on dining, grocery & food delivery
- Unlimited 1.5% cashback on all other spends
- Low ₹999 fee, waived at ₹2 lakh spend
- 4 domestic lounge visits/year
- ₹1,000 + ₹250 welcome benefits; 15% dining discounts
- 10% cashback shares a ₹1,000/month cap across categories
- Cashback credited within 45 days (not instant)
- Availability limited to select cities
- ₹6 lakh income requirement (salaried)
- Lounge capped at 1/quarter
Fees & cashback
| Item | Detail |
|---|---|
| Annual fee | ₹999 (waived on ₹2 lakh annual spend) |
| Dining/grocery/food delivery | 10% cashback (shared cap ₹1,000/month) |
| All other spends | 1.5% unlimited cashback |
| Welcome | ₹1,000 (app + ₹20k/30 days) + ₹250 Amazon voucher |
| Lounge | 4 domestic/year (1/quarter) |
| Credit | Statement credit within 45 days |
Eligibility & documents
Age
18 to 65 years
Income
₹6 lakh+ annual (salaried)
Recommended CIBIL
~730+
Network
Visa
Availability
Select cities
Documents
PAN, Aadhaar, income & address proof
Cashback — the real math
The 10% on dining, grocery and food delivery is strong, but the ₹1,000 monthly cap is shared across all three — so roughly ₹10,000 of combined spend a month maxes it. Beyond that, the unlimited 1.5% on everything provides a solid floor with no cap. With the fee waiving at ₹2 lakh spend and cashback credited directly, the value is clean and predictable for food-and-grocery-heavy households.
Who this card is for
- Best fit: households with regular dining, grocery and food-delivery spends who want simple cashback + lounges.
- Skip if: you’re outside its service cities or want uncapped accelerated cashback.
How to apply & how to cancel
Apply: via hsbc.co.in. Cancel: call HSBC after clearing dues.
Final verdict
The HSBC Live+ is among the best everyday cashback cards going — 10% on food and grocery, unlimited 1.5% elsewhere, lounges and a fee that waives easily. The shared ₹1,000 monthly cap is the only real constraint; for food-and-grocery households it’s excellent value.
Frequently asked questions
How much cashback does it give?
10% on dining, grocery and food delivery (shared ₹1,000/month cap) and unlimited 1.5% on all other spends.
What is the fee?
₹999, waived on ₹2 lakh annual spend.
Is the 10% cap per category?
No — the ₹1,000/month cap is shared across dining, grocery and food delivery combined.
Does it offer lounge access?
Yes — 4 domestic lounge visits a year (1 per quarter).
Data current as of June 2026, cross-checked against HSBC India and aggregators. Confirm current terms on hsbc.co.in before applying.