HSBCVisaCashback
HSBC Live+ credit card
10% cashback on dining, food delivery, groceries, shopping and utilities up to ₹1,200 a month; 1.5% elsewhere.
Personal score100/100● Strong fit
Recurring net savings₹16,098/yrafter fee, GST and caps · bills paid in full
First-year value₹15,594incl. ₹675 welcome, ₹1,179 joining fee
Effective savings rate4.9%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)Waived ₹1,179waiver at ₹2,00,000 spend
Lounge access✈2 dom🌏1 intlyou can use 2 of your visits
Source: HSBC India – Live+ Credit Card · last reviewed 2026-09-17
Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend
Why it fits – and what to watch
hover any tile for the detail₹13,704/yr10% on dining, food delivery, groceries,…
Waived₹1,179 fee
2/2lounge visits covered
1/1lifestyle perks matched
₹36,000earns nothing (fuel)
! No rewards on fuel – ₹36,000 of your yearly spend earns nothing here.
Where the money comes from
₹16,098/yr · 4.9%10% on dining, food delivery, groceries,…on ₹1,37,040₹13,704
Base rate 1.5% on other spendson ₹85,200₹1,278
1.5% on Amazon, Flipkart & Myntra (excluded…on ₹50,400₹756
Excluded categories (no rewards)on ₹54,000₹0
Fuel surcharge waiver₹360
UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).
- How ₹16,098/yr is calculated
- HSBC Live+
- + Reward value on your spendat ₹1/Cashback realistic value
- ₹15,738
- + Fuel surcharge waiver1% up to ₹250/month
- ₹360
- + Annual fee incl. 18% GSTwaived – ₹1,179 at ₹2,00,000 spend
- ₹0
- = Recurring net savings
- ₹16,098/yr
- ÷ card spend counted UPI-only rupees excluded on non-RuPay cards
- ₹3,26,640
- = Effective savings rate
- 4.9%
How the score of 100 is built
weights total 100% · methodologyNet savings rate100/100 × 55%55.0
Usable lounge access100/100 × 15%15.0
Redemption flexibility100/100 × 10%10.0
Lifestyle fit100/100 × 10%10.0
Simplicity100/100 × 5%5.0
Fee safety100/100 × 5%5.0
Airport lounges with this card
Open Lounge Finder →42airports in India
64lounges you can enter
2 per yeardomestic
1 per yearinternational
How you get in: issuer programme (bank / operator app) · Priority Pass. Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.
DEL Delhi 6 lounges
- ✈T3 Encalm Lounge (T3 Domestic) Encalm · via issuer programme (bank / operator app) verified
- ✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
- 🌏T3 Encalm Privé (T3 International) Encalm · via Priority Pass verified
- 🌏T3 Plaza Premium Lounge (T3 International) Plaza Premium · via Priority Pass verified
- ✈T1 Encalm Lounge (T1) Encalm · via issuer programme (bank / operator app) verified
- ✈T2 Encalm Lounge (T2) Encalm · via issuer programme (bank / operator app) verified
HYD Hyderabad 4 lounges
- ✈Main Encalm Lounge (Domestic) Encalm · via issuer programme (bank / operator app) verified
- ✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
- 🌏Main Plaza Premium Lounge (International) Plaza Premium · via Priority Pass verified
- 🌏Main Encalm Privé (International) Encalm · via Priority Pass check at desk
BOM Mumbai 4 lounges
- ✈T2 Adani Lounge (T2 Domestic) Adani Airports · via issuer programme (bank / operator app) verified
- ✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via issuer programme (bank / operator app) check at desk
- 🌏T2 Adani Lounge (T2 International) Adani Airports · via Priority Pass verified
- ✈T1 Adani Lounge (T1) Adani Airports · via issuer programme (bank / operator app) verified
BLR Bengaluru 3 lounges
- ✈T2 080 Domestic Lounge BIAL · via issuer programme (bank / operator app) verified
- 🌏T2 080 International Lounge BIAL · via Priority Pass verified
- ✈T1 Above Ground Level Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
MAA Chennai 3 lounges
- ✈T1 Travel Club Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
- ✈T4 Travel Club Lounge (T4) Travel Food Services · via issuer programme (bank / operator app) check at desk
- 🌏T2 Travel Club Lounge (International) Travel Food Services · via Priority Pass verified
AMD Ahmedabad 2 lounges
- ✈T1 Adani Lounge (Domestic) Adani Airports · via issuer programme (bank / operator app) verified
- 🌏T2 Adani Lounge (International) Adani Airports · via Priority Pass verified
ATQ Amritsar 2 lounges
- ✈Main Bird Lounge (Domestic) Bird Group · via issuer programme (bank / operator app) check at desk
- 🌏Main Bird Lounge (International) Bird Group · via Priority Pass check at desk
GOX Goa (Mopa) 2 lounges
- ✈Main Mopa Airport Lounge (Domestic) GMR · via issuer programme (bank / operator app) check at desk
- 🌏Main Mopa Airport Lounge (International) GMR · via Priority Pass check at desk
COK Kochi 2 lounges
- ✈T1 Earth Lounge (Domestic) CIAL · via issuer programme (bank / operator app) verified
- 🌏T3 Earth Lounge (International) CIAL · via Priority Pass verified
CCU Kolkata 2 lounges
- ✈T2 Travel Club Lounge (Domestic) Travel Food Services · via issuer programme (bank / operator app) verified
- 🌏T2 Travel Club Lounge (International) Travel Food Services · via Priority Pass verified
LKO Lucknow 2 lounges
- ✈T3 Adani Lounge (Lucknow) Adani Airports · via issuer programme (bank / operator app) verified
- 🌏T3 Adani Lounge (Lucknow International) Adani Airports · via Priority Pass check at desk
TRV Thiruvananthapuram 2 lounges
- ✈T2 Adani Lounge (Thiruvananthapuram Domestic) Adani Airports · via issuer programme (bank / operator app) verified
- 🌏T2 Adani Lounge (Thiruvananthapuram International) Adani Airports · via Priority Pass check at desk
+ 30 more airports in the Lounge Finder.
Card facts
💳 Base earn1.5%value on eligible spend
⚡ Accelerated1.5% 1.5% on Amazon, Flipkart &…10% 10% on dining, food…
🚫 No rewards onfuelrentinsuranceeducationinternational
🏷️ Fees₹1,179/yr incl. GSTwaived on ₹2,00,000 spend · joining ₹999
🎁 Welcome (year 1)≈ ₹675₹750 voucher (Amazon Pay, Zomato or Swiggy) on card activation
🏁 Milestonesnone
✈️ Lounge✈2/yr dom🌏1/yr intl2 domestic (1 per half-year) + 1 international/year
🌏 Forex markup1.99%+ GST on the markup
🔁 Redemption₹1/Cashback ★★★★★Auto-credited to statement.
🧩 Simplicity★★★★★set and forget
🎯 Lifestylefuel waiver
🪪 EligibilityIncome ₹4L+/yr; HSBC serviceable cities
At a glance
- 10% on food, grocery, shopping and bills – up to ₹1,200/month
- Solid 1.5% base rate
- Low 1.99% forex markup
- Amazon, Flipkart & Myntra earn only 1.5%
- No cashback on international spend
- HSBC serviceable cities only
Compare HSBC Live+ with
Community Q&A on the HSBC Live+
Threaded questions from cardholders · the Advisor can add a computed answer.
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Frequently asked questions
What is the annual fee of the HSBC Live+?
Joining fee ₹999 and renewal fee ₹999, plus 18% GST (₹1,179 a year). The renewal fee is waived if you spend ₹2,00,000 in the card year.
Does the HSBC Live+ give airport lounge access?
2 domestic + 1 international/yr. 2 domestic (1 per half-year) + 1 international/year.
How much can I save with the HSBC Live+?
For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹16,098 a year, an effective savings rate of 4.9% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.
What are the HSBC Live+'s reward exclusions and caps?
No rewards on fuel, rent, insurance, education, international. 10% on dining, food delivery, groceries, shopping & utilities: capped at ₹1,200 a month
Sources
Reviewed 2026-09-17. Point values are our realistic estimates – see methodology. Also: HSBC Live+ lounge access by airport · all HSBC cards · change log.