Live+
Base Rate
1.5%
Forex Markup
3.5%
Joining Fee
₹999
Milestones
1
💳 Fee Structure
🧮 Reward Calculator
Monthly Spending Breakdown
Net Annual Value
+₹17,400
After ₹999 annual fee deduction
Base Rewards
₹17,400
Forex Net
+₹0
Milestones
₹999
Milestone Progress
Renewal fee of ₹999 waived on spending ₹2L
Spend ₹2L annually
📝 Detailed Review
The CardVault Verdict
The HSBC Live+ Credit Card is a cashback-focused credit card. By offering a solid 10% return on dining, delivery, and groceries (shared cap of ₹1k/month) and a high 1.5% base cashback rate on other spends, it provides fantastic returns. The direct-to-statement cashback mechanism is highly convenient.
Who Should Apply?
Perfect for lifestyle spenders, foodies, and families who spend heavily on dining, Swiggy/Zomato orders, and grocery supermarkets.
Lounge Access
Unconditional Access
No minimum spend required to unlock lounge visits.
Visits / Year
4visits
Supported Networks
Additional Notes
4 complimentary domestic lounge visits per year, capped at 1 visit per quarter.
⚖️ Pros & Cons
✓Pros
- •Outstanding 10% cashback on everyday dining, food delivery (Zomato/Swiggy), and grocery store purchases
- •Strong 1.5% unlimited base cashback rate on non-category transactions (higher than most competitors)
- •Buy 2 Get 1 Free movie tickets via BookMyShow every Saturday
- •Direct cashback credited automatically to the statement (no redemption fee or portal hassle)
✗Cons
- •Accelerated 10% cashback has a shared monthly cap of ₹1,00,0
- •Utilities, fuel, rent, and insurance spending are completely excluded from cashback
- •High 3.5% forex markup fee
Historical Changes
Track record of card modifications
Lounge and fee structures updated
Domestic lounge access terms and welcome benefit requirements were updated.