HSBC Live+ Credit Card Review | HSBC Cashback Credit Card Rebranded

Editor’s note: This is a recurring post, regularly updated with new information and offers. Last Updated 15th July, 2024.

HSBC revamped their Cashback Credit Card back in December 2023, and I would say it stood out as an exception in a season of brutal devaluations. Since earning points for travel is becoming increasingly difficult, many people are shifting to cashback credit cards to enhance their value back. Now, in July 2024, they have just rebranded their Cashback Credit Card as the Live+ Credit Card with a fresh design. In terms of benefits, nothing has actually changed.

Here's a quick review of this great credit card from HSBC Bank!

Charges and Welcome Benefits​

Joining Fees​	₹999 + GST​
Welcome Benefits​	Amazon voucher worth ₹1000 on spending ₹10000 within the first 30 days​
Annual Fees​	₹999 + GST​
Annual Benefits​	NIL​
Annual Fee Waiver​	Spend ₹2L on your card in a year for an annual fee waiver*.​
Add-on Fees​	NIL​
Card Category​	Cashback​

The welcome voucher compensates the joining fee but there will be no annual benefits for paying the annual fees.

Reward Rate​

Spends Area​	CashbackRate​	Capping​
All dining, food delivery and grocery spends​	10%​	₹1000​
All Other Spends*​	1.50%​	Unlimited​

• *Cashback cannot be earned on transactions made on Fuel, e-wallets, rental payments, Business to Business transactions, education and government payments, Insurance, Jewelry and antique items, Gambling, Tolls and Bridge Fees, Financial and Non-Financial Institutions, Security Broker Services, Collection Agencies, Charity, Money Transfers and Wholesale Clubs.​
• Your cashback will be credited within 45 days after the statement generation date​
• No cash-back redemption fee is applicable​

Other Benefits​

Airport Lounge Access​

Domestic Airport Lounge Access
Complimentary Limit – 4 Visits/ Calendar year (1 per quarter) within India only for primary cardholders.
Access Via – Credit Card

Fuel Surcharge Waiver​

No fuel surcharge waiver is applicable on this card.

Forex Markup​

Forex markup charges are applicable of 3.5%+GST.

Eligibility​

• You must be aged between 18 to 65​
• Your annual income must be at least INR400,000 per annum (for salaried individuals)​
• You must be an Indian resident​
• You must reside in any of the following cities: Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, New Delhi, Noida, Pune​

HSBC Bank is currently only offering their credit cards to salaried individuals that too very strictly. If you are a self-employed individual then you may try your luck by opening a premium bank account against a huge NRV.

TechnoFino Recommends​

After the revaluation of the HSBC Cashback Credit Card back in December 2023, it became one of the best cashback cards for offline and online dining and grocery spends. The recent rebranding is just a name change to the Live+ Credit Card, but nothing has changed in terms of benefits. This is a simple, no-nonsense cashback card from HSBC Bank that caters to both groceries and dining at a flat 10% rate, which I would say is unprecedented. Earlier, Kotak was offering similar cashback on their Essentia and Delight Credit Cards with some conditions, but these have now been discontinued.

If you are looking for a great multi-utility card for all your grocery and dining spending then this card should be there in your wallet! Not to worry about the fees since in festive time reaching that upper cap on 10% cashback even for just one time will make your card free virtually for the year. This card is in direct competition with the HDFC Swiggy card now.

Are you planning to get this card? Tell us in the comments below about your experience.

 

[Rishabh]

how is your experience with HSBC card and their customer care?

No issues so far, rarely needed to connect to customer care.

 

[hellobois]

I have used the card at reliance super mart (previously big bazar) and the sales transaction description was Reliance Retail Ltd. Will I get 10% cashback for this? DMart has a similar setup and we get 10% cashback on that.
Please confirm. Thanks

 

[Animal]

I have used the card at reliance super mart (previously big bazar) and the sales transaction description was Reliance Retail Ltd. Will I get 10% cashback for this? DMart has a similar setup and we get 10% cashback on that.
Please confirm. Thanks

Call customer care and ask MCC.

 

[Rohan]

I have used the card at reliance super mart (previously big bazar) and the sales transaction description was Reliance Retail Ltd. Will I get 10% cashback for this? DMart has a similar setup and we get 10% cashback on that.
Please confirm. Thanks

+1.

If this card gives 10% on offline grocery, dept then its best replacement to ace.

 

[Animal]

+1.

If this card gives 10% on offline grocery, dept then its best replacement to ace.

I used this at Vijetha and got the cashback. However some users reported issue with Dmart due to the MCC issue for some POS machines.

 

[sarainfo12]

Does anyone have link or list of airport lounges can access via hsbc cashback credit card?

 

[Rishabh]

Does anyone have link or list of airport lounges can access via hsbc cashback credit card?

No direct link from HSBC, but I guess Visa provided lounges shall be applicable as per list below: -

https://www.visa.co.in/content/dam/VCOM/regional/ap/india/global-elements/documents/in-participating-airport-lounges.pdf

 

[Animal]

Does anyone have link or list of airport lounges can access via hsbc cashback credit card?

You can check here

Thriwe - Facility List

benefits.thriwe.com

 

[kesarkarshri]

Received 10% cashback for transactions done at Zepto and Dmart.
Received it 5/6 days prior to next statement generation.

 

[justzeus1]

The first ten digits of the cashback credit card are same for everyone I guess. Can someone help with the first 10 digits of any hsbc cashback credit card. In my mobile app I can only see my last four digits of my card. Actually my credit card is approved after so many days of application and now we are out of station for few days to attend a function at a village and the bluedart guy is a bu**t, he updated "consignee shifted from the address". I told him that we will come back after few days. How can I activate the card.

 

[justzeus1]

I am new to this community.. But I heard from my friend that people in this community are very helpful.

 

[Animal]

The first ten digits of the cashback credit card are same for everyone I guess. Can someone help with the first 10 digits of any hsbc cashback credit card. In my mobile app I can only see my last four digits of my card. Actually my credit card is approved after so many days of application and now we are out of station for few days to attend a function at a village and the bluedart guy is a bu**t, he updated "consignee shifted from the address". I told him that we will come back after few days. How can I activate the card. @hellobois @Rishabh @Animal @Visith @MangoRush @RajMahadik @kunal.exe @sudheer102

Better call customer care and ask them to send the card again. You can’t see full card details in the app.

What’s your source of info that first 10 digits are same?

Even if you get the first 10 digits, how about the digits 11 and 12.

 

[MONEY]

@MJN

Bro did you apply , what happened ? Did you get the card , even I am in cbe

 

[Sriim]

@MJN

Bro did you apply , what happened ? Did you get the card , even I am in cbe

If you give cbe aadhar address in online application, the application doesn't go through. Only 6-7 cities mentioned in online application page can directly apply. But cbe is serviceable pincode, so card could be applied offline

 

[Nitin13]

Received 10% cashback for transactions done at Zepto and Dmart.
Received it 5/6 days prior to next statement generation.

Zepto is online Grocery platform. If you receive there 10% CB you should also receive CB if you purchase from Blinkit, Swiggy Instamart, Dunzo, Bigbasket, Jiomart etc.

Can you please confirm this?

 

[Animal]

Zepto is online Grocery platform. If you receive there 10% CB you should also receive CB if you purchase from Blinkit, Swiggy Instamart, Dunzo, Bigbasket, Jiomart etc.

Can you please confirm this?

Yes confirmed. You’ll get the CB.

 

[deepcards]

I have one question- if I apply from Cibil Marketplace offer, will that lead to an hard enquiry in my cibil report?

 

[BradleyCopper]

I applied for HSBC Cashback via cashkaro, but I was unable to complete vkyc as it was midnight. The next day I get a call from an agent and I tell them I will do the vkyc later. I get some messages with the agent's initials as reference number asking me to complete vkyc.

I ignore those messages, and complete videokyc using the link which was originally shared via email when I tried to apply at midnight. I complete the vkyc and I get a vkyc completed email as well. But I am still getting texts and emails with the reference no. as agent's initials, to complete vkyc even though I had already completed it.


Did the agent do any foul play? Do I need to do the vkyc again? Will I get the cashkaro benefit if I do the vkyc again?

 

[justzeus1]

What’s your source of info that first 10 digits are same?

You can check with anyone who has the same card. Can anyone share 4 digits of a hsbc cashback credit card after the first 6 digits (i.e 7th, 8th, 9th, 10th digit) . Don't worry sharing only four digits won't make any loss to you. I have tried to call customer care to resend the card but they are saying that my new card is with courier partner I have to wait. But if I do not activate it within 30 days the card will be closed. a DM is much appreciated. Thanks

 

[deepcards]

You can check with anyone who has the same card. Can anyone share 4 digits of a hsbc cashback credit card after the first 6 digits (i.e 7th, 8th, 9th, 10th digit) . Don't worry sharing only four digits won't make any loss to you. I have tried to call customer care to resend the card but they are saying that my new card is with courier partner I have to wait. But if I do not activate it within 30 days the card will be closed. a DM is much appreciated. Thanks

This means Hsbc can issue only 9,99,999 cashback cards.
I dont think so, it wud be that the first 8 digits are the same- thats the case with one other card company.

Even if thats the case, refrain from asking all this card digits- and no one shud share it with u (not to with a new member, and also not with the technofino founder).

@TechnoFino i think the above post needs to be deleted and the user banned.