HSBC Bank · Visa Infinite
HSBC Live+
A broader everyday cashback card from 26 July 2026, with 10% cashback on food, dining, groceries, shopping and utilities.
- Cashback
- Everyday
- Visa Infinite
- From 26 July 2026, earn 10% cashback on food, dining, groceries, eligible shopping and utility spends, capped at Rs 1,200 per month.
- Earn 1.5% on most other eligible spends, plus 4 domestic lounge visits, 1 international visit yearly and quarterly contactless-fuel cashback.
- Fees
- Rs 999 + GST Waiver at Rs 2L
- Cashback
- 10% expanded spends From 26 Jul 2026
- Cap
- Rs 1,200/month From 26 Jul 2026
At a glance
HSBC Live+ highlights
- Cashback
- 10% on food, dining, groceries, shopping and utilities from 26 Jul
- Cap
- Rs 1,200 monthly accelerated cashback cap from 26 Jul
- Visa offer
- Up to Rs 750 Amazon Pay voucher on activation with an eligible Rs 300+ transaction
- Lounge
- 4 domestic + 1 international visit per year
HSBC Live+: fees & key facts
| Joining fee | Rs 999 + GST |
|---|---|
| Annual fee | Rs 999 + GST; waived when annual spends exceed Rs 2,00,000 |
| Accelerated cashback | From 26 July 2026: 10% on food, dining, groceries, eligible shopping and utilities, capped at Rs 1,200 per month |
| Other spends | 1.5% unlimited cashback on most other eligible spends |
| Welcome benefit | Rs 1,000 cashback after logging in to the HSBC India Mobile Banking app and spending Rs 20,000 in the first 30 days; eligible online applications with video verification can receive a Rs 250 Amazon eGift Voucher |
| Visa Infinite welcome offer | Up to Rs 750 voucher after activating a new Visa Infinite card with 1 eligible transaction of Rs 300 or more; Amazon Pay is one voucher option, subject to Visa eligibility, validity and stock availability |
| Visa Infinite | From 26 July 2026: airport meet and assist, complimentary ITC Hotels stay benefits and Avis car-rental benefits, subject to programme terms |
| Lounge access | 4 domestic visits per year, capped at 1 per quarter, plus 1 international visit per year from 26 July 2026 |
| Fuel benefit | From 26 July 2026: Rs 250 cashback per quarter after Rs 10,000 or more in eligible contactless fuel spends; up to Rs 1,000 per year |
| Forex markup | 3.5% |
| Eligibility | Salaried applicants: 18-65 years; self-employed: 25-65 years. HSBC lists minimum annual income of Rs 6,00,000 for salaried and Rs 12,00,000 for self-employed applicants. |
| Exclusions | Amazon, Flipkart and Myntra remain in the 1.5% bucket. Rent, education, government, insurance, jewellery, wallet loads and similar restricted categories should be avoided unless updated HSBC terms explicitly include them. |
Last verified 24 July 2026. Issuer terms and offers can change; confirm them before applying.
Who should get it
HSBC Live+ is moving from a food-focused cashback card to a broader household cashback card on 26 July 2026. The 10% bucket expands to food, dining, groceries, eligible shopping and utilities.
The accelerated cashback cap rises to Rs 1,200 per month, making Rs 12,000 the monthly sweet spot across eligible 10% categories. Most other eligible spends continue to earn 1.5% cashback.
The announced Visa Infinite upgrade adds 1 international lounge visit per year, airport meet and assist, ITC Hotels and Avis benefits, plus Rs 250 quarterly cashback on eligible contactless fuel spends. Treat the new benefits as effective from 26 July 2026 and subject to final HSBC and Visa terms.
HSBC Live+ FAQs
What is the main benefit of the HSBC Live+ Credit Card?
From 26 July 2026, the headline benefit is 10% cashback on food, dining, groceries, eligible shopping and utilities, capped at Rs 1,200 per month. Most other eligible spends earn 1.5% cashback.
What is the HSBC Live+ annual fee waiver condition?
The joining and annual fee is Rs 999 plus GST. HSBC waives the annual fee when you spend more than Rs 2,00,000 in a card year.
Does HSBC Live+ include lounge access?
Yes. The card includes 4 domestic visits per year, limited to 1 per calendar quarter. From 26 July 2026, it also includes 1 international lounge visit per year.
What welcome benefits does HSBC Live+ offer?
HSBC lists Rs 1,000 cashback when you log in to the HSBC India Mobile Banking app and spend Rs 20,000 within the first 30 days. Eligible online applications completed with video verification can also receive a Rs 250 Amazon eGift Voucher. Separately, Visa's Infinite activation offer provides an up to Rs 750 voucher after 1 eligible transaction of Rs 300 or more; Amazon Pay is one voucher option, subject to Visa eligibility, validity and stock availability.
What changes for HSBC Live+ on 26 July 2026?
The 10% bucket expands to food, dining, groceries, eligible shopping and utilities; its monthly cap rises to Rs 1,200; the card moves to Visa Infinite; 1 international lounge visit is added; and eligible contactless fuel spends can earn Rs 250 cashback per quarter after Rs 10,000 quarterly spend.
Who should choose HSBC Live+ over HSBC TravelOne?
Choose HSBC Live+ for cashback on everyday food, dining, grocery, shopping and utility spends. Choose HSBC TravelOne if you want reward points, airline or hotel transfers, and a more travel-focused rewards structure.
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