If you spend regularly on dining, groceries, and food delivery, the HSBC Live+ Credit Card delivers one of the cleanest cashback structures in 2025: 10% cashback on what most urban users buy most, plus domestic lounge accessfor smoother travel days.
HSBC Live+ Credit Card: At a Glance
| Card Detail | Value |
|---|---|
| Joining Fee | ₹999 + GST |
| Annual Fee | ₹999 + GST (waived on ₹2,00,000 annual spend) |
| Welcome Benefit | ₹1,000 cashback on ₹20,000 spend within 30 days of issuance |
| 10% Cashback Categories | Dining, Groceries, Food Delivery (₹1,000 monthly cap) |
| All Other Spends | 1.5% cashback (issuer exclusions apply) |
| Airport Lounge Access | 4 domestic lounge visits per calendar year |
| Fuel Surcharge Waiver | Not available on Live+ |
| Network / Extras | Partner offers on lifestyle, travel, electronics |
| Eligibility (Age) | Typically 21–65 years (online applications may allow up to 65) |
Caps and Exclusions: 10% cashback is capped at ₹1,000/month. Standard exclusions may include rent, wallet loads, fuel, EMI transactions, fees/charges, etc. (Refer issuer T&Cs.)
Why HSBC Live+ Stands Out
- 10% where it counts: Dining out, groceries, and food delivery (Zomato, Swiggy/Instamart, BigBasket, Blinkit, etc.).
- Simple structure: 1.5% cashback on other spends (with standard exclusions).
- Travel touch: 4 complimentary domestic lounge visits per calendar year.
- Easy waiver path: Spend ₹2L/year to waive the annual fee.
- Useful partner deals: Extra savings across lifestyle and travel brands.
Who Should Get This Card?
- Urban professionals and families with steady dining + grocery + delivery spends.
- Users who prefer straight cashback over points math.
- Flyers who’ll use 4 domestic lounge visits annually.
- Spenders confident of hitting ₹2L/year for fee waiver.
Apply via PickMyWork — or Earn by Referring
With PickMyWork, you can apply for HSBC Live+ in a few taps. Or join as an agent and earn per successful activation by helping others apply.
- Download the PickMyWork app
- Complete quick onboarding
- Share the card with your network
- Earn for each activation
💡 Apply now or become a PickMyWork agent today!
👉 Download the PickMyWork App to get started.
FAQs — HSBC Live+ Credit Card
Q1. What’s the welcome benefit and timeline?
₹1,000 cashback on completing ₹20,000 spend within 30 days of card issuance.
Q2. How does the 10% cashback work?
You get 10% cashback on dining, groceries, and food delivery, capped at ₹1,000/month. Issuer T&Cs and merchant categorization apply.
Q3. What about other categories?
You earn 1.5% cashback on other eligible spends. Standard exclusions (e.g., rent, wallet loads, fuel, EMI transactions, fees/charges) typically don’t earn.
Q4. Is there a fuel surcharge waiver on Live+?
No. The HSBC Live+ Card does not offer a fuel surcharge waiver.
Q5. Does the card include lounge access?
Yes. 4 complimentary domestic airport lounge visits per calendar year.
Q6. What’s the age eligibility?
Generally 21–65 years (many online applications allow up to 65). Final approval is issuer-dependent.
Q7. How is the fee waived?
Spend ₹2,00,000 in the previous card year to get the annual fee waived.
Q8. Can I track cashback easily?
Yes—via HSBC internet banking, the mobile app, and monthly statements.
For everyday city living, HSBC Live+ nails the sweet spot: 10% cashback on your most frequent spends, 1.5% on the rest, and 4 domestic lounge visits to boot. Pair it with a strong all-rounder or fuel card for a complete wallet.
💡 Apply now or become a PickMyWork agent today!
👉 Download the PickMyWork App to get started.
