HSBC Live+ Credit Card review
One of the best everyday cashback cards if you spend roughly ₹10,000–12,000 a month on food, groceries, shopping and bills, because 10% back on that alone covers the fee many times over. If most of your spending is on Amazon or Flipkart, or abroad, look elsewhere.
Fees
₹999 a year + GST. Annual fee (and its GST) reversed when spends on the primary and add-on cards together exceed ₹2 lakh in the card year. Forex markup 1.99%.
Rewards
Cashback is credited straight to the card account within about 45 days of the statement date
- Online shopping: 10% – 10% when the merchant codes as shopping (clothing, department stores, electronics, general merchandise), online or in-store. The ₹1,200 monthly cap is shared.
- Amazon: 1.5% – Amazon is left out of the 10% shopping category and earns 1.5%
- Flipkart: 1.5% – Flipkart is left out of the 10% shopping category and earns 1.5%
- Swiggy & Zomato: 10% – Swiggy and Zomato usually code as restaurants. The ₹1,200 monthly cap is shared with the other 10% categories.
- Dining out: 10% – 10% at restaurants. All 10% categories share one cap of ₹1,200 a month (reached at ₹12,000 of spend).
- Groceries: 10% – Supermarkets and grocery codes, which usually cover quick-commerce apps too. The ₹1,200 monthly cap is shared.
- Fuel: 0%
- Bills: 10% – Electricity, telecom and cable/DTH codes earn 10% from 26 July 2026. The ₹1,200 monthly cap is shared.
- Rent: 0%
- Insurance: 0%
- Education: 0%
- UPI with a credit card: 0% – Visa card, so it can't be linked to UPI
- Foreign currency: 0% – Foreign-currency spends stopped earning cashback when the forex markup fell to 1.99%
- Everything else: 1.5%
On a typical spending pattern this card gives back about ₹16,920 a year.
What’s good
- 10% cashback on dining, food delivery, groceries, shopping and utility bills, up to ₹1,200 a month
- 1.5% cashback on most other spends, with no cap
- Cashback is credited automatically, with no points to redeem
- Low 1.99% forex markup
- Annual fee refunded on ₹2 lakh yearly spend
What’s not
- The 10% rate stops at ₹12,000 of eligible spend a month, after which those categories earn nothing extra
- Amazon, Flipkart and Myntra earn only 1.5%
- No cashback on foreign spends, fuel, rent, insurance or education
- Only for people in about 20 cities, with an income of ₹6 lakh a year or more
Lounge access
Domestic: 2 a year, no more than one every six months. International: 1 a year, from 1 September 2026.