HSBC Live+ Credit Card
Best for: everyday spenders who want 10% cashback on dining, groceries and shopping and 1.5% on most other spends.
Why it ranks
- High 10% rate across five everyday categories
- Uncapped 1.5% on most other spends
- Lower forex markup than most cashback cards
What holds it back
- Offered only in select cities
- The ₹1,200 monthly cap limits the 10% rate to ₹12,000 of spend
- No cashback on fuel
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
The HSBC Live+ Credit Card pays 10% cashback on dining, food delivery, grocery, shopping and utility spends up to ₹1,200 a month, and 1.5% on most other spends. The ₹999 fee is waived on annual spend above ₹2 lakh.
HSBC Live+ Credit Card at a glance
| Issuer | HSBC India |
| Card network | Visa |
| Annual fee | ₹999 annual fee (waived on annual spend above ₹2 lakh) |
| Welcome bonus | See issuer for the current offer |
| Rewards rate | 10% cashback on dining, food delivery, grocery, shopping and utility spends (up to ₹1,200 a month); 1.5% unlimited cashback on most other spends |
| Intro APR | None |
| Regular APR | 3.75% a month (45% a year) |
| Foreign transaction fee | 1.99% of foreign currency transactions |
| Airport lounge access | 2 complimentary domestic and 1 international airport lounge visits a year |
| Credit needed | Salaried: 18 to 65 years, ₹6 lakh annual income; self-employed: 25 to 65 years, ₹12 lakh; select cities only |
| Best for | Everyday spenders on dining, groceries and shopping who want simple cashback |
Key features
- 10% cashback on dining, food delivery, grocery, shopping and utilities, up to ₹1,200 a month
- 1.5% unlimited cashback on most other spends
- 2 domestic and 1 international airport lounge visits a year
- 1.99% forex markup
Before you apply: confirm the current fee, reward rates and eligibility on the issuer's official site. BestCreditCards is an independent ranking site, not the card issuer, and this is not financial advice.
Sources: hsbc.bank.in · hsbc.bank.in
How it ranks against similar India cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | HIHSBC IndiaHSBC Live+₹999/yr · IN HSBC Live+ Credit CardEveryday spenders on dining, groceries and shopping who want simple cashback |
₹999/yr | 10% cashback on dining, food delivery, grocery, shopping and utility spends (up… | See issuer for the current offer | 1.99% of foreign currency… | Salaried: 18 to 65 years, ₹6 lak… | |
| 2 | IICICI BankAmazon PayNo annual fee · IN Amazon Pay ICICI Bank Credit CardAmazon regulars who want a free everyday cashback card |
None | 5% Amazon (Prime), 3% (non-Prime), 1% elsewhere | Amazon Pay balance offer on activation (varies) | 1.99% markup on foreign cu… | Invite-only; ICICI lists age 21+… | |
| 3 | AAxis BankACE₹499/yr · IN Axis Bank ACE Credit CardAnyone who wants high cashback on bills and everyday spends |
₹499/yr | 5% on bills via Google Pay, 4% on Swiggy, Zomato and Ola (₹500 shared cap per st… | No fixed welcome bonus; value comes from ongoing cashback | 3.5% markup on foreign cur… | Good | |
| 4 | SSBI CardCashback SBI₹999/yr · IN Cashback SBI CardOnline shoppers who want simple, automatic cashback |
₹999/yr | 5% online (up to ₹2,000 a cycle), 1% offline (up to ₹2,000 a cycle), from 1 Apri… | No fixed welcome bonus; annual fee waived on Rs.2 lakh spend | 3.5% markup on foreign cur… | Good |
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