HSBC Live+
HSBC India · Checked 2026-10-09
HSBC Live+ is a paid card focused on straightforward cashback, dining rewards and shopping rewards, charging ₹999 annually before GST.
CardIQ editorial view
Our take
HSBC Live+ is a paid card focused on straightforward cashback, dining rewards and shopping rewards, charging ₹999 annually before GST.
Who it suits
- People who prioritise straightforward cashback.
- People who prioritise dining rewards.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 10% cashback on eligible dining, food delivery and grocery purchases; 1.5% on other eligible purchases.
Trade-offs to understand
- Accelerated 10% cashback capped at ₹1,200 per month; exclusions apply to base cashback.
- 1.99% foreign-currency markup plus applicable taxes.
- Additional shopping promotions are time-limited and not included in the evergreen reward rate.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 10% cashback on eligible dining, food delivery and grocery purchases; 1.5% on other eligible purchases valuable enough to clear the fee. Factor in this condition: Accelerated 10% cashback capped at ₹1,200 per month; exclusions apply to base cashback.
Compare before deciding
- RBL Bank Jalsa — A similarly priced alternative for comparing shopping rewards and dining rewards.
- IDFC FIRST Hello Cashback — A higher-fee option to compare for broader benefits around shopping rewards and international spending.
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Benefits, limits and conditions
- Accelerated 10% cashback capped at ₹1,200 per month; exclusions apply to base cashback.
- 1.99% foreign-currency markup plus applicable taxes.
- Additional shopping promotions are time-limited and not included in the evergreen reward rate.