HSBC Live+ Credit Card
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HSBC Live+ Credit Card Review: Affordable Lifestyle Card with 10% Dining/Grocery Cashback, 1.5% Base,
4 Lounge Visits & ₹999 Annual Fee
introduction
HSBC Live+ Credit Card is a lifestyle cashback card made for everyday spending. It gives great value on dining, food delivery, and grocery shopping. You also earn cashback on all other purchases, enjoy welcome rewards, airport lounge access, dining discounts, and Visa concierge services. The card fee can be waived with sufficient annual spending, making it a smart choice for regular spenders.
key features and benefits
Welcome Benefits
- Get ₹1,000 cashback when you download and log in to the HSBC India Mobile Banking app and spend ₹20,000 or more within the first 30 days of receiving your card.
- Get an additional ₹250 Amazon eGift Voucher when you apply online, complete video verification, and successfully receive your card.
Reward Structure
- 10% accelerated cashback, up to INR 1,000 a month on grocery spends.
- 1.5% unlimited cashback on most other spends.
Airport Lounge Access
4 Complimentary Domestic Airport Lounges, 1 visit per quarter annually.
movie & dining Perks
up to 15% off with our Live+ Dining Programme across India and Asia.
10% cashback on dining and food delivery spends upto rs1,000.
1.5% cashback on entertainment & movie spending.
visa network benefits
- get exclusive dining programme and curated offers on the Visa Digital Concierge app.
Card Essential
Rewards and Benefits Analysis
Best for: Dining enthusiasts, frequent grocery shoppers, everyday spenders, lifestyle-focused professionals.
real value example: For a ₹15 lakh annual lifestyle spend, earn ₹47,250 cashback (₹12,000 capped at 10% each on ₹3L dining, ₹2L food delivery, ₹2.5L groceries + ₹11,250 at 1.5% on ₹7.5L hotels/medicine/shopping), plus Year 1 extras of ₹1,000 welcome, ₹250 voucher, and 4 lounge visits (₹8,000 value) for ₹56,500 total—net ₹55,501 after ₹999 fee.
Extra Perks: 15% dining discount, Visa Concierge, easy fee waiver, accessible eligibility.
Practical Considerations
Fees & Charges Summary:
₹999 joining and annual fees (easily waivable on ₹200K annual spend).
Eligibility:
Age: 18-65 years
Income: ₹600,000+ annual (salaried/self-employed).
Residency: Indian resident.
Geography: 13 metro cities (Mumbai, Delhi NCR, Bangalore, Pune, Hyderabad, Chennai, Kolkata, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, Gurgaon, Noida).
Documentation: PAN, Aadhaar, address proof, income proof.
Limitations:
10% cashback capped ₹1,000/month (not unlimited).
4 lounge visits limited (quarterly only).
1.5% base modest for non-10% categories.
Geographic restriction (13 metros only).
Redemption Options
Direct Cashback Credit:
- Cashback automatically credited to card account (no points conversion needed).
Best Value Strategy:
Maximize 10% dining/food delivery/grocery spending within ₹1,000 monthly cap.
Consolidate dining and grocery spending to maximize cap efficiency.
Achieve ₹200K annual spend for fee waiver.
Use 15% dining programme discount at partner restaurants.
Leverage 4 lounge visits around quarterly business/leisure travel.
Combine Visa Concierge offers with category spending.
Ideal User Profile
Frequent diners and restaurant spenders.
Regular grocery shoppers and household spenders.
Lifestyle-conscious professionals earning ₹600K+.
Those in 13 metro cities.
Everyday spenders valuing accessible premium positioning.
Final Thoughts
Strengths:
₹1,250 welcome benefits (exceptional entry value).
10% dining cashback (exceptional category acceleration).
10% grocery cashback (strong household earning).
10% food delivery cashback (seamless for modern lifestyle).
1.5% unlimited on all other spends (broad category coverage).
15% dining programme discount (added lifestyle value).
4 lounge visits annually (solid entry-level benefit).
Limitations:
10% cashback capped ₹1,000/month (not unlimited despite high spends).
₹999 annual fee (though waivable).
4 lounge visits limited (quarterly only).
1.5% base modest for non-accelerated categories.
Geographic restriction (13 metros only).
10% cashback capped ₹1,000/month (not unlimited despite high spends).
₹999 annual fee (though waivable).
4 lounge visits limited (quarterly only).
1.5% base modest for non-accelerated categories.
Geographic restriction (13 metros only).
Verdict:
Recommended for dining enthusiasts and grocery shoppers in metros earning ₹600K+—the combination of ₹1,250 welcome, 10% dining/food/grocery cashback, 1.5% unlimited base, 15% dining discount, and waivable annual fee creates genuine everyday lifestyle value. Best for those spending ₹1.5L+ annually and maximizing dining/grocery categories within caps.
This review offers a clear and balanced overview of The HSBC Live+ Credit Card Credit Card’s strengths and limitations, helping readers make an informed choice about whether this card fits their
Spending Habits And Financial Goals.
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