HSBC Live+

Dine, shop and have fun with extra cashback.

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Cashback

10% eligible everyday categories; Myntra offer ends 31 Oct 2026

Cap

₹1,200 shared accelerated cashback per billing cycle

Forex

1.99% currency conversion fee, plus applicable taxes

Lounge

2 domestic lounge visits + 1 international visit per year

Welcome

₹1,000 cashback: app login + ₹25,000 in 30 days; offer valid for eligible applications through 31 Dec 2026

10% expanded cashback

1.5% fallback

Visa Infinite

Expanded cashback

10% on eligible food, dining, groceries, shopping and utilities, sharing a ₹1,200 billing-cycle cap. Myntra also earns 10% until 31 October 2026 within the same cap, then 1.5%

Fallback rewards

Most other eligible spends earn 1.5% unlimited cashback, so the card still works outside the headline categories.

Welcome stack

₹1,000 cashback after HSBC India app login and ₹25,000 spend within 30 days; eligible new applications from 26 July–31 December 2026. Separate activation/network offers have their own eligibility

Visa Infinite upgrade

From 26 July 2026, the Visa Infinite layer adds airport meet and assist, ITC Hotels and Avis benefits, subject to final programme terms.

Airport comfort

2 domestic lounge visits and 1 international lounge visit per year, subject to HSBC programme terms

Contactless fuel

From 26 July 2026, spend Rs 10,000 or more on eligible contactless fuel transactions in a quarter to get Rs 250 cashback.

HSBC Live+: fees & key facts

HSBC Live+ credit card fees and key facts
Joining fee	Rs 999 + GST
Annual fee	Rs 999 + GST; waived when annual spends exceed Rs 2,00,000
Accelerated cashback	10% on eligible food, dining, groceries, shopping and utilities, sharing a ₹1,200 billing-cycle cap. Myntra also earns 10% until 31 October 2026 within the same cap, then 1.5%
Other spends	1.5% unlimited cashback on most other eligible spends
Welcome benefit	₹1,000 cashback after HSBC India app login and ₹25,000 spend within 30 days; eligible new applications from 26 July–31 December 2026. Separate activation/network offers have their own eligibility
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	2 domestic lounge visits and 1 international lounge visit per year, subject to HSBC programme terms
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	1.99% plus applicable taxes
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 and Flipkart earn the eligible 1.5% rate. Myntra earns 10% until 31 October 2026, then 1.5%. Rent, education, government, insurance, jewellery and other excluded merchant categories earn no cashback

Public issuer terms checked 3 October 2026.

HSBC Live+ product HSBC welcome cashback terms HSBC Myntra offer terms

Who should get it

HSBC Live+ has moved 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 is Rs 1,200 per billing cycle, reached at Rs 12,000 eligible spending across the shared 10% categories. Most other eligible spends 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. The benefits took effect on 26 July 2026; HSBC and Visa programme terms apply.

Reward exclusions

Transactions that do not earn cashback

Eligibility follows the merchant category code and transaction data received by the issuer, so the merchant name alone may not determine whether a transaction earns rewards.

Government and education payments
Insurance and rent
Gold and jewellery

Eligible utilities are included in the 10% cashback bucket, shared with eligible food, dining, grocery and shopping transactions and capped at ₹1,200 per billing cycle. The service guide lists the complete eligible and excluded merchant codes.

Checked 3 October 2026HSBC Live+ service guide

HSBC Live+ FAQs

What is the main benefit of the HSBC Live+ Credit Card?

10% on eligible food, dining, groceries, shopping and utilities, sharing a ₹1,200 billing-cycle cap. Myntra also earns 10% until 31 October 2026 within the same cap, then 1.5%

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. HSBC currently lists 2 domestic lounge visits and 1 international lounge visit per year, subject to programme terms.

What welcome benefits does HSBC Live+ offer?

₹1,000 cashback after HSBC India app login and ₹25,000 spend within 30 days; eligible new applications from 26 July–31 December 2026. Separate activation/network offers have their own eligibility

What changes for HSBC Live+ on 26 July 2026?

The 10% bucket expands to food, dining, groceries, eligible shopping and utilities; its per billing cycle 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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