How much cashback does the Live+ Credit Card give?

You get 10% back on dining, food delivery and grocery spends, capped at ₹1,000 a month. Other eligible spends earn 1.5%. On ₹10,000 of spend in the top category that is ₹1,000 back, so about ₹12,000 a year if you hit it every month. Fuel related, e-wallets, Payment of property management fees, Rental commissions earn nothing at all.

Does the Live+ Credit Card give free airport lounge access?

The Live+ Credit Card gives 2 complimentary domestic lounge visits a year. There is no prior spend requirement on paper, though HSBC has been moving cards to spend linked access, so confirm before you rely on it at the airport.

What changed on the Live+ Credit Card recently and is it still worth it in 2026?

devaluation (intl cashback removed, lounge 4→2, hospital/transport excluded) plus revaluation (10% on shopping/utility, Visa Infinite, higher cap). The changes are dated Jul 26, 2026. At ₹2L of yearly spend the card returns roughly ₹3,000 at its general rate of about 1.5%, against a ₹999 renewal fee. Keep it if you clear the ₹2L waiver spend and your spending really sits in the accelerated category. Drop it at renewal if you do not.

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Card Details

1637 2393 7681 1081

Live+ Credit Card

HSBCVISA

Monzy Score

9/ 10

Excellent for diners and foodies.

Strong ~10% back in its core category.

Card Issuer

HSBC Bank

Joining Fee

₹999

Annual Fee

₹999

Reward Type

Cashback

Card Access

Standard

Latest Update

Fresh announcement brings certain MCCs like 4900(water & electricity bill) and 4814( broadband/wifi/internet, prepaid, postpaid) under utility 10% cashback category. For full details, check the link at the bottom of the page.

Changes to this card

2 Sep 2026
Official product page updated.

Offers from HSBC Bank

See all

Earn Points

10%

On Dining (max ₹1,000/Mo)

10%

Cashback on grocery spends (combined monthly cap applies)

1.5%

Unlimited cashback on most other spends

Benefits

Dining

10% Dining/Food/Grocery Cashback

High dining cashback
Up to 10% cashback on food-related spends

Groceries

10% cashback on groceries

Strong grocery rewards

Travel

4 domestic lounge visits per year

Protection

Annual fee waiver on spend over INR 2,00,000

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel, wallet, rent, education, government, insurance, jewellery, toll, cash

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Dining, Food Delivery, Grocery, Shopping & Utilities

cap 1200 combined; Amazon/Flipkart/Myntra excluded (1.5%)

₹1,200

All other eligible spends

unlimited 1.5%

₹270

Total Annual Return

₹17,640

4.9% Effective ROI

What Users Are Saying

Community Feed

Jul 2026

Live+POSITIVE

“Finally Got My HSBC Live+ Credit Card”

by r/CreditCardsIndia, Jul 2026

Live+POSITIVE

“Why no love for HSBC Live+ ?”

by r/CreditCardsIndia, Jul 2025

Live+POSITIVE

“Finally received my HSBC Live+ credit card”

by r/CreditCardsIndia, Jul 2026

Live+NEUTRAL

“Review of HSBC Live+ after using it for more than an year”

by r/IndianCreditCards, Mar 2026

Live+NEUTRAL

“HSBC you beauty!!!!”

by r/CreditCardsIndia, Jul 2026

Frequently Asked Questions

The Live+ Credit Card charges ₹999 plus GST as a joining fee and the same ₹999 again at renewal. HSBC waives the renewal fee if you spend ₹2L in the previous year, which is about ₹16,667 a month. If your card spend sits below that, treat ₹999 as a real yearly cost that your rewards have to clear first.

Things to Keep in Mind

The 10% cashback is limited to a maximum of ₹1,000 per month.

The 1.5% cashback is not applicable on several common spending categories like fuel, utilities, and insurance.

Check full upgrade + revised MCC codes & what changed in July 2026 for this card here: HSBC Live+ Revaluation (2026): New 10% Cashback MCCs, ₹1,200 Cap & What Actually Changed

←

Card Details

1637 2393 7681 1081

Live+ Credit Card

HSBCVISA

Monzy Score

9/ 10

Excellent for diners and foodies.

Strong ~10% back in its core category.

Card Issuer

HSBC Bank

Joining Fee

₹999

Annual Fee

₹999

Reward Type

Cashback

Card Access

Standard

Latest Update

Changes to this card

2 Sep 2026
Official product page updated.

Offers from HSBC Bank

See all

Earn Points

10%

On Dining (max ₹1,000/Mo)

10%

Cashback on grocery spends (combined monthly cap applies)

1.5%

Unlimited cashback on most other spends

Benefits

Dining

10% Dining/Food/Grocery Cashback

High dining cashback
Up to 10% cashback on food-related spends

Groceries

10% cashback on groceries

Strong grocery rewards

Travel

4 domestic lounge visits per year

Protection

Annual fee waiver on spend over INR 2,00,000

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel, wallet, rent, education, government, insurance, jewellery, toll, cash

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Dining, Food Delivery, Grocery, Shopping & Utilities

cap 1200 combined; Amazon/Flipkart/Myntra excluded (1.5%)

₹1,200

All other eligible spends

unlimited 1.5%

₹270

Total Annual Return

₹17,640

4.9% Effective ROI

What Users Are Saying

Community Feed

Jul 2026

Live+POSITIVE

“Finally Got My HSBC Live+ Credit Card”

by r/CreditCardsIndia, Jul 2026

Live+POSITIVE

“Why no love for HSBC Live+ ?”

by r/CreditCardsIndia, Jul 2025

Live+POSITIVE

“Finally received my HSBC Live+ credit card”

by r/CreditCardsIndia, Jul 2026

Live+NEUTRAL

“Review of HSBC Live+ after using it for more than an year”

by r/IndianCreditCards, Mar 2026

Live+NEUTRAL

“HSBC you beauty!!!!”

by r/CreditCardsIndia, Jul 2026

Frequently Asked Questions

Things to Keep in Mind

The 10% cashback is limited to a maximum of ₹1,000 per month.

The 1.5% cashback is not applicable on several common spending categories like fuel, utilities, and insurance.

Check full upgrade + revised MCC codes & what changed in July 2026 for this card here: HSBC Live+ Revaluation (2026): New 10% Cashback MCCs, ₹1,200 Cap & What Actually Changed

←

Card Details

1637 2393 7681 1081

Live+ Credit Card

HSBCVISA

Monzy Score

9/ 10

Excellent for diners and foodies.

Strong ~10% back in its core category.

Card Issuer

HSBC Bank

Joining Fee

₹999

Annual Fee

₹999

Reward Type

Cashback

Card Access

Standard

Latest Update

Changes to this card

2 Sep 2026
Official product page updated.

Offers from HSBC Bank

See all

Earn Points

10%

On Dining (max ₹1,000/Mo)

10%

Cashback on grocery spends (combined monthly cap applies)

1.5%

Unlimited cashback on most other spends

Benefits

Dining

10% Dining/Food/Grocery Cashback

High dining cashback
Up to 10% cashback on food-related spends

Groceries

10% cashback on groceries

Strong grocery rewards

Travel

4 domestic lounge visits per year

Protection

Annual fee waiver on spend over INR 2,00,000

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel, wallet, rent, education, government, insurance, jewellery, toll, cash

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Dining, Food Delivery, Grocery, Shopping & Utilities

cap 1200 combined; Amazon/Flipkart/Myntra excluded (1.5%)

₹1,200

All other eligible spends

unlimited 1.5%

₹270

Total Annual Return

₹17,640

4.9% Effective ROI

What Users Are Saying

Community Feed

Jul 2026

Live+POSITIVE

“Finally Got My HSBC Live+ Credit Card”

by r/CreditCardsIndia, Jul 2026

Live+POSITIVE

“Why no love for HSBC Live+ ?”

by r/CreditCardsIndia, Jul 2025

Live+POSITIVE

“Finally received my HSBC Live+ credit card”

by r/CreditCardsIndia, Jul 2026

Live+NEUTRAL

“Review of HSBC Live+ after using it for more than an year”

by r/IndianCreditCards, Mar 2026

Live+NEUTRAL

“HSBC you beauty!!!!”

by r/CreditCardsIndia, Jul 2026

Frequently Asked Questions

Things to Keep in Mind

The 10% cashback is limited to a maximum of ₹1,000 per month.

The 1.5% cashback is not applicable on several common spending categories like fuel, utilities, and insurance.

Check full upgrade + revised MCC codes & what changed in July 2026 for this card here: HSBC Live+ Revaluation (2026): New 10% Cashback MCCs, ₹1,200 Cap & What Actually Changed