HSBC India · Card guide

HSBC Live+

10% on daily essentials. The best spend depends on your category, monthly cap and whether the yearly fee is waived.

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Where it pays

10% on eligible dining, food delivery, grocery, shopping and utility transactions, combined ₹1,200 monthly cap. 1.5% on most other eligible spend. ₹999 annual fee waived if annual spend exceeds ₹2 lakh. HSBC eligibility is restricted by serviceable city; fuel and other exclusions apply.

Annual cost: ₹999 plus applicable tax. Renewal waiver after ₹200,000 annual spend; first-year joining fee may still apply.

Read the issuer terms

Checked 26 Sep 2026. Issuer terms can change without this site updating immediately. The source addresses below are shown as text, not outbound links; no unaffiliated redirects are used.

Reward terms: https://www.hsbc.co.in/credit-cards/products/live-plus/
Fees: https://www.hsbc.co.in/credit-cards/products/live-plus/

What this estimate leaves out

GST on card fees, welcome bonuses, milestone vouchers, limited-time merchant offers, spend-based exceptions, interest, and changing merchant category codes. Never spend extra solely for rewards.

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