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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.
 
Last edited:
How many days they took for card approval after vkyc ?
Had my card in my hand within a week. They are quite fast.

Sad thing is, they don't share any updates. I came to know about card approval when I received SMS with tracking details of bluedart.
 
HSBC has recently revamped their Cashback Credit card and I would say it has been revalued as an exception in this season of brutal devaluations. Since earning points for travel is again becoming difficult many people are shifting to cashback credit cards to bump up their valueback.

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​

A simple no-nonsense cashback card from HSBC Bank which caters to both Groceries and Dining that too at a flat 10% rate which I would say is unheard of before. Earlier Kotak was offering such cashback on their Essentia and Delight credit cards with some conditions and now have 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.
Since the welcome benefits ended now (Till 31st Dec Only)

Any other welcome benefits updated? Or any other update? I need to get this card, shall I wait till March? (Year end offers)
 
Since the welcome benefits ended now (Till 31st Dec Only)

Any other welcome benefits updated? Or any other update? I need to get this card, shall I wait till March? (Year end offers)
My card was delivered on 29 Dec, am I eligible for welcome benefit of 1000 cashback?
 
Hi guys, those who are using the card may please confirm that the card gives 10% cashback on which of the following
1. D-Mart
2. Reliance retail
3. any other local department store for grocery
4. Swiggy, Zomato, eatsure and any other food delivery website or mobile application
5. Big basket
6. Big basket via Tata Neu app
7. Any other category/app thich I have missed may pls be noted for the benefit of all HSBC Cashback Credit Card holders.

Make it a matter list so that we can loot together 😀😉

Ekta me bal hai, ekta ko chedna mat warna utha ke patak degi 🤣🤣🤣😝🧸

Need help of legends as well @Abhishek012 @RAMDV
 
Since the welcome benefits ended now (Till 31st Dec Only)

Any other welcome benefits updated? Or any other update? I need to get this card, shall I wait till March? (Year end offers)
Update

Cashback Credit Card Introductory Offers
Introductory offers are valid on HSBC Cashback Credit Card from 1 Jan 2024 till 30 June 2024

Vouchers
Make transactions of a minimum of INR 10000 within first 30 days to get Amazon vouchers (worth INR1000).TnC’s apply
 
Hi guys, those who are using the card may please confirm that the card gives 10% cashback on which of the following
1. D-Mart
2. Reliance retail
3. any other local department store for grocery
4. Swiggy, Zomato, eatsure and any other food delivery website or mobile application
5. Big basket
6. Big basket via Tata Neu app
7. Any other category/app thich I have missed may pls be noted for the benefit of all HSBC Cashback Credit Card holders.

Make it a matter list so that we can loot together 😀😉

Ekta me bal hai, ekta ko chedna mat warna utha ke patak degi 🤣🤣🤣😝🧸

Need help of legends as well @Abhishek012 @RAMDV
Koi to confirm kar do bhai :|
 
Hi guys, those who are using the card may please confirm that the card gives 10% cashback on which of the following
1. D-Mart
2. Reliance retail
3. any other local department store for grocery
4. Swiggy, Zomato, eatsure and any other food delivery website or mobile application
5. Big basket
6. Big basket via Tata Neu app
7. Any other category/app thich I have missed may pls be noted for the benefit of all HSBC Cashback Credit Card holders.

Make it a matter list so that we can loot together 😀😉

Ekta me bal hai, ekta ko chedna mat warna utha ke patak degi 🤣🤣🤣😝🧸

Need help of legends as well @Abhishek012 @RAMDV
I’m using in selected places and giving Cashback like dmart, FTH daily, restaurants, local supermarket and food ordering apps.
 
Hi guys, those who are using the card may please confirm that the card gives 10% cashback on which of the following
1. D-Mart
2. Reliance retail
3. any other local department store for grocery
4. Swiggy, Zomato, eatsure and any other food delivery website or mobile application
5. Big basket
6. Big basket via Tata Neu app
7. Any other category/app thich I have missed may pls be noted for the benefit of all HSBC Cashback Credit Card holders.

Make it a matter list so that we can loot together 😀😉

Ekta me bal hai, ekta ko chedna mat warna utha ke patak degi 🤣🤣🤣😝🧸

Need help of legends as well @Abhishek012 @RAMDV
Tried

Local groceries
Local restaurants
Swiggy, Zomato,
Big basket

All above are working for me
 
Did they share this reason?

I was rejected too but they did not share any reason. I filed complaint with RBI BO
Did you receive any mail/message of rejection? I applied on 2nd Jan as an Exiting to Bank customer but not able to track the application/card.
 
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