HSBC Live+
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Fees & waiver
Joining: ₹999 + applicable GST. Renewal: ₹999 + GST.
Renewal fee including GST reversed if eligible anniversary-year spend exceeds ₹2,00,000.
Rewards
10% eligible dining, food delivery, grocery, shopping and utilities combined, capped at ₹1,200/month; 1.5% other eligible retail.
Eligibility
Indian resident in a listed service city (including Ahmedabad). Salaried: age 18–65, income ≥ ₹6 lakh/year. Self-employed: age 25–65, income ≥ ₹12 lakh/year.
These are indicative criteria, not an eligibility assessment. The issuer can request documents, assess credit history and serviceability, and approve or decline at its discretion. We do not approve or process applications.
Caps, exclusions & redemption
Amazon, Flipkart and Myntra earn 1.5%, not 10%. MCC exclusions include fuel, rent, wallets, education, government, insurance, jewellery and quasi-cash. International purchases no longer earn cashback.
Statement credit within 45 days of statement date.
Official issuer sources
- View issuer product page ↗
https://www.hsbc.bank.in/credit-cards/products/live-plus/ - Read issuer terms 1 ↗
https://www.hsbc.bank.in/content/dam/hsbc/in/documents/credit-cards/live-plus-credit-card-services-guide.pdf - Read issuer terms 2 ↗
https://www.hsbc.bank.in/content/dam/hsbc/in/documents/credit-cards/visa-cashback/terms-and-condition.pdf
These links are direct editorial sources, not affiliate links. Issuer terms govern. Review the issuer’s latest MITC for all borrowing and transaction charges. Rewards cannot offset the cost of revolving debt reliably.