Annual fee₹999+ GST
Forex markup1.99%
Interest3.75%a month
NetworkVisa
You earn
Perks & rules
What changed
1 Sep 2026Lounge allowance now 2 domestic (1 per 6 months) + 1 international a year
26 Jul 2026Amazon and Flipkart moved from 10% to 1.5%; international spends stopped earning 1.5%; forex cut to 1.99%
Worth it?
See what it pays back on your spending, after the fee.Run the numbers
All the fine printEvery detail from the bank's documents, in one place
How you earn
Rewards asCashback
Base rate1.5% on most other spends, no cap
Higher rates
- Dining, food delivery, grocery, shopping, utilities: 10% on dining, food delivery, groceries, shopping and utilities (by merchant code)
Limits
- 10% cashback: up to ₹1,200 a month
- 1.5% cashback: no cap
Doesn't earn on
- Amazon, Flipkart and Myntra earn 1.5%, not 10% (Myntra 10% as a launch offer until 31 Oct 2026)
- International spends earn no cashback
- Fuel, wallets, rent, education, government, insurance, jewellery, gambling, tolls, cash, money transfers, wholesale clubs, hospitals, local transit, business-to-business codes
- EMI (instant EMI) transactions
Where it landsTo your card account within 45 days of the statement date
What a point is worth
Value₹1 of cashback = ₹1 off your bill
ExpiryNot applicable: cashback is credited to your card
Redemption feeNone: credited automatically
Welcome benefit
Welcome₹750 Amazon Pay / Zomato / Swiggy voucher on a first transaction of ₹300+; ₹1,000 cashback on ₹25,000 spend in 30 days via the app
Milestones
MilestonesNone stated
Airport lounges
Domestic2 visits a year, max 1 every 6 calendar months
International1 visit a calendar year (from 1 Sep 2026)
Fuel
Fuel₹250 cashback on contactless fuel purchases when you spend ₹10,000 in a quarter
Spending abroad
Forex markup1.99%
Fees
Joining fee₹999 + GST
Annual fee₹999 + GST
Fee waiverAnnual fee reversed if you spend over ₹2 lakh in the card year
If you pay late
Late fee100% of the minimum due, min ₹250, max ₹1,200 a month
Interest3.75% a month (45% a year)
Cash withdrawal2.5% of the amount, min ₹500
Who can apply
AgeSalaried 18–65; self-employed 25–65
SalariedIncome ₹6 lakh a year or more
Self-employedIncome ₹12 lakh a year or more; only in 21 listed cities
More perks
Perks
- Buy-one-get-one movie tickets on District and BookMyShow
- The Live+ Reserve dining programme with DineWithTimesPrime
- Free 1GB global eSIM a year
Sources
Everything on this page comes from these bank documents. Tap any box above for the full wording.
- HSBC Live+ product page Product page · 2 Oct 2026
- HSBC Live+ Credit Card Service Guide (incl. MITC & tariff) Card T&C · 2 Oct 2026
- Contactless fuel cashback offer T&C Offer T&C · 2 Oct 2026
Card image: HSBC's own website.
