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HSBC India · Visa Infinite · हिन्दी

HSBC Live+ Credit Card: full review

Following HSBC's July 2026 revaluation, the Live+ now earns 10% cashback across five everyday categories, dining, food delivery, groceries, utilities and shopping, with a shared ₹1,200/month cap, plus a new Visa Infinite upgrade and a first-ever quarterly fuel cashback. The tradeoff: domestic lounge visits are down to 2/year, and international spends no longer earn any cashback despite the reduced 1.99% forex markup. For everyday domestic spenders, this is a genuine upgrade; for frequent travellers who previously used this card abroad, it's a mixed bag.

Apply now ↗Annual fee: ₹999 + taxes
Last updated: August 2026 · Current terms verified
HSBC INDIA
VISA
)))
LIVE+
ASHOK KUMAR
12/28
₹999 + taxes (waived on ₹2,00,000/year spend)Annual fee
10% cashback on dining, food delivery, groceries, utility bills and shopping, excluding Amazon, Flipkart and Myntra (shared cap ₹1,200/month across all five categories); 1.5% unlimited on all other spends, including Amazon/Flipkart/MyntraReward structure
2 domestic visits per year (1 per 6 months) + 1 international visit per yearLounge access

Key benefits of the HSBC Live+ Credit Card

10% cashback on dining, food delivery, groceries, utility bills and shopping (excl. Amazon/Flipkart/Myntra), shared cap of ₹1,200/month across all five categories1.5% unlimited cashback on all other eligible spends, including Amazon, Flipkart and Myntra, no monthly cap₹250 cashback per quarter on contactless fuel spends above ₹10,0002 complimentary domestic lounge visits per year (1 per 6 months) + 1 complimentary international lounge visit per year via Visa Airport CompanionUpgraded to Visa Infinite, includes Airport Meet & Assist, ITC Hotel stay offers, Avis car rental privilegesUp to 15% off at 200+ partner restaurants via the Live+ Dining Programme₹1,000 welcome cashback on spending ₹20,000 within first 30 daysAnnual fee waived on ₹2L/year spend
Apply now ↗ Min. income: ₹6L/year (salaried) · Credit score: 700+
Pros and cons
Pros
✓ Best unlimited base rate in India at 1.5% with no cap
✓ 10% across five everyday categories is strong
✓ Direct cashback, no points conversion needed
✓ Now on Visa Infinite with genuine premium perks
Cons
✗ ₹1,200 shared cap now spans five categories instead of three: heavy spenders in any single category hit the ceiling faster
✗ International spends no longer earn any cashback at all, despite the lower forex markup
✗ City availability limited to select metros
✗ ₹999 fee higher than comparable cashback cards
✗ Domestic lounge visits cut from 4/year to 2/year
Quick facts
Issuer HSBC India
Network Visa Infinite
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹999 + taxes (waived on ₹2,00,000/year spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹999
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 2 domestic visits per year (1 per 6 months) + 1 international visit per year
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 1.99%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹6L/year (salaried)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceHSBC India's published card terms and official card page · Last updated August 2026
Recent updates

Reflected HSBC's July 2026 revaluation, reward categories expanded from 3 to 5, monthly cap increased ₹1,000 to ₹1,200, network upgraded to Visa Infinite, domestic lounge visits cut 4/year to 2/year, forex reduced 3.5% to 1.99%.

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Frequently asked questions
The annual fee for HSBC Live+ Credit Card is ₹999 + taxes (waived on ₹2,00,000/year spend). The joining fee is ₹999.
The main benefits of the HSBC Live+ Credit Card are: 10% cashback on dining, food delivery, groceries, utility bills and shopping (excl. Amazon/Flipkart/Myntra), shared cap of ₹1,200/month across all five categories; 1.5% unlimited cashback on all other eligible spends, including Amazon, Flipkart and Myntra, no monthly cap; ₹250 cashback per quarter on contactless fuel spends above ₹10,000; 2 complimentary domestic lounge visits per year (1 per 6 months) + 1 complimentary international lounge visit per year via Visa Airport Companion; Upgraded to Visa Infinite, includes Airport Meet & Assist, ITC Hotel stay offers, Avis car rental privileges; Up to 15% off at 200+ partner restaurants via the Live+ Dining Programme; ₹1,000 welcome cashback on spending ₹20,000 within first 30 days; Annual fee waived on ₹2L/year spend.
10% cashback on dining, food delivery, groceries, utility bills and shopping, excluding Amazon, Flipkart and Myntra (shared cap ₹1,200/month across all five categories); 1.5% unlimited on all other spends, including Amazon/Flipkart/Myntra
HSBC Live+ Credit Card is best for Dining, groceries and utility bills with the best unlimited base cashback in India. Following HSBC's July 2026 revaluation, the Live+ now earns 10% cashback across five everyday categories, dining, food delivery, groceries, utilities and shopping, with a shared ₹1,200/month cap, plus a new Visa Infinite upgrade and a first-ever quarterly fuel cashback. The tradeoff: domestic lounge visits are down to 2/year, and international spends no longer earn any cashback despite the reduced 1.99% forex markup. For everyday domestic spenders, this is a genuine upgrade; for frequent travellers who previously used this card abroad, it's a mixed bag.
The minimum income requirement for HSBC Live+ Credit Card is ₹6L/year (salaried). A minimum credit score of 700+ is also recommended.
Yes, HSBC Live+ Credit Card offers 2 domestic visits per year (1 per 6 months) + 1 international visit per year.
HSBC Live+ Credit Card charges a 1.99% foreign currency markup on international transactions. This is lower than the standard 3.5% charged by most Indian credit cards.
Related guides
Best Dining Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Swiggy and Zomato →Best Credit Cards for Grocery Shopping →Best Credit Cards for Amazon and Flipkart →
Card reviews
Axis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesAU Bank Zenith Credit CardHigher spenders who can comfortably hit the fee-waiver threshold and will use both domestic and international lounge access regularlyYES Bank POP-Club Credit CardFrequent online/e-commerce shoppers willing to actively redeem within the POP Club app's voucher ecosystem, not simply looking for flat, flexible cashback
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