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HSBC Live+ Credit Card
HSBC • Visa

HSBC Live+ Credit Card

10% cashback on dining, food delivery and grocery spends (capped), with 1.5% on other eligible spends.

Annual Fee₹999Waived on ₹2L annual spend
Base Reward1.5%On all spends
Lounge Access6648 domestic • 18 intl
Est. Annual Savings₹12,000Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹5,400

Assumes base reward rate only.

Annual feeWaived

Waived on ₹2L annual spend

Net value₹5,400

Estimated savings per year.

Fee waiver target: ₹2,00,000 annual spend.Reward cap applied at ₹12,000/yr (not reached).

Reward Rate Breakdown

Category-wise reward rates for this card

Dining
10.0%
Lifestyle
10.0%
Basedefault
1.5%
Shopping
1.5%

Insights

Verified card-level notes, best use-cases, and watchouts.

Expand

Insights

  • Live+ behaves like a high-yield capped lifestyle card rather than a flat online cashback card.
  • Cap discipline is critical: once the ₹1,000 cap is reached, incremental dining/grocery spend loses edge.
  • International transactions are currently excluded from cashback scope.

Best Utilization

  • Use Live+ first for grocery, dining and food delivery until cap is reached each cycle.
  • After hitting cap, move incremental online spends to cards with larger or no monthly caps.
  • Keep Live+ as a category specialist in a two-card setup rather than a one-card wallet.

Watchouts

  • Treat 10% as capped effective cashback, not unlimited earn.
  • Check merchant and MCC eligibility updates before large spends.
  • Review annual-fee waiver progress against ₹2L yearly target.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹999
  • Annual fee₹999
  • Waiver threshold₹2,00,000
  • Cap typemonthly
  • Cap resetmonthly
  • Last verified2026-02-13

Redemption Truth

  • Cash value/point₹1
  • Travel value/point₹1
  • Transfer partners0
  • Min redemption₹0
  • Expiry policyNot applicable; cashback is credited directly in statement as per issuer process.
  • Last verified2026-02-13

Lounge Truth

  • NetworkVisa
  • Domestic count4
  • International count0
  • Quarterly limit1
  • Airport-terminal rows66
  • Policy check2026-02-13

Reliability + Outcomes

  • Verification statusverified
  • Freshness days0
  • Source conflicts0
  • Applied reports23
  • Approval reports14

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

No clear same-bank upgrade path is currently detected for this card.

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for HSBC Live+ Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Check HSBC Live+ terms for minimum transaction and usage conditions applicable to each complimentary visit.

Quarter / cycle rule

Issuer communication currently indicates one complimentary domestic visit per quarter (up to four per year).

Guest access

Complimentary guest lounge entry is not listed as a default HSBC Live+ benefit.

Priority Pass

Priority Pass is not listed as a standard HSBC Live+ benefit in current issuer sources.

Lounge Locations

66 airport lounge rows
View lounge map and location list66 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Ahmedabad

2 lounges • 1 domestic • 1 international

2
The LoungeDomestic

AHM • Ahmedabad Airport • Terminal 1

The LoungeInternational

AHM • Ahmedabad Airport • Terminal 2

Amritsar

5 lounges • 2 domestic • 3 international

5
Costa CoffeeDomestic

AMR • Amritsar Airport • NA

Costa CoffeeInternational

AMR • Amritsar Airport • NA

Primus LoungeDomestic

AMR • Amritsar Airport • NA

The Airr LoungeInternational

AMR • Amritsar Airport • International Terminal

The Airr LoungeInternational

AMR • Amritsar Airport • Terminal Airside

Bengaluru

4 lounges • 3 domestic • 1 international

4
080 ArrivalDomestic

BEN • Bengaluru Airport • Terminal 2

080 Domestic LoungeDomestic

BEN • Bengaluru Airport • Terminal 1

080 Domestic LoungeDomestic

BEN • Bengaluru Airport • Terminal 2

080 International LoungeInternational

BEN • Bengaluru Airport • Terminal 2

Bhubaneswar

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

BHU • Bhubaneswar Airport • Terminal 1

Chandigarh

5 lounges • 2 domestic • 3 international

5
Cram BarDomestic

CHA • Chandigarh Airport • Domestic Terminal

Cram BarInternational

CHA • Chandigarh Airport • International Terminal

Primus LoungeDomestic

CHA • Chandigarh Airport • Domestic Terminal

Primus LoungeInternational

CHA • Chandigarh Airport • International Terminal

Primus LoungeInternational

CHA • Chandigarh Airport • Terminal 1

Chennai

3 lounges • 2 domestic • 1 international

3
Travel ClubDomestic

CHE • Chennai Airport • Terminal 1

Travel ClubInternational

CHE • Chennai Airport • Terminal 2

Travel ClubDomestic

CHE • Chennai Airport • Terminal 4

Dehra Dun

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

DE1 • Dehra Dun Jolly Grant Airport • NA

Delhi

5 lounges • 4 domestic • 1 international

5
Domestic LoungeDomestic

DEL • Delhi Airport • Terminal 3

Encalm LoungeDomestic

DEL • Delhi Airport • Terminal 1D

Encalm LoungeDomestic

DEL • Delhi Airport • Terminal 2

Encalm LoungeDomestic

DEL • Delhi Airport • Terminal 3

Encalm LoungeInternational

DEL • Delhi Airport • Terminal 3

Dibrugarh

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

DIB • Dibrugarh Mohanbari Airport • NA

Goa

3 lounges • 2 domestic • 1 international

3
Encalm LoungeDomestic

GOA • Goa Airport • Domestic Terminal

Encalm LoungeInternational

GOA • Goa Airport • International Terminal

Good Times BarDomestic

GOA • Goa Airport • Domestic Terminal

Guwahati

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

GUW • Guwahati Airport • NA

Hyderabad

2 lounges • 1 domestic • 1 international

2
Encalm LoungeInternational

HYD • Hyderabad Airport • NA

Encalm LoungeDomestic

HYD • Hyderabad Airport • NA

Indore

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

IND • Indore Airport • NA

Jaipur

1 lounges • 1 domestic • 0 international

1
Adani LoungeDomestic

JAI • Jaipur Airport • Domestic Terminal

Jammu

1 lounges • 1 domestic • 0 international

1
Executive LoungeDomestic

JAM • Jammu Airport • Domestic Terminal

Kannur

4 lounges • 2 domestic • 2 international

4
International KannaurDomestic

KAN • Kannur Airport • Domestic Terminal

International KannaurInternational

KAN • Kannur Airport • International Terminal

International KannaurInternational

KAN • Kannur Airport • Terminal Airside

International Kannaur Pearl Lounge DomesticDomestic

KAN • Kannur Airport • Domestic Terminal

Kochi

2 lounges • 1 domestic • 1 international

2
Earth LoungeDomestic

KOC • Kochi Airport • Terminal 1

Earth LoungeInternational

KOC • Kochi Airport • Terminal 3

Kolkata

3 lounges • 2 domestic • 1 international

3
Travel ClubDomestic

KOL • Kolkata Airport • Terminal 1

Travel ClubInternational

KOL • Kolkata Airport • Terminal 2

Travel Club Lounge AnexDomestic

KOL • Kolkata Airport • Terminal 1

Lucknow

1 lounges • 1 domestic • 0 international

1
Adani LoungeDomestic

LUC • Lucknow Airport • Terminal 3

Madurai

2 lounges • 1 domestic • 1 international

2
Cram BarDomestic

MAD • Madurai Airport • Domestic Terminal

Primus LoungeInternational

MAD • Madurai Airport • NA

Mumbai

6 lounges • 5 domestic • 1 international

6
Adani LoungeDomestic

MUM • Mumbai Airport • Terminal 1

Aviserv LoungeDomestic

MUM • Mumbai Airport • Arrival

Dosa PlazaInternational

MUM • Mumbai Airport • Terminal 2

Indi TapasDomestic

MUM • Mumbai Airport • Terminal 2

Travel ClubDomestic

MUM • Mumbai Airport • Terminal 1

Travel ClubDomestic

MUM • Mumbai Airport • Terminal 2

Nagpur

2 lounges • 2 domestic • 0 international

2
Mandarin LoungeDomestic

NAG • Dr. Babasaheb Ambedkar International Airport • NA

The Airr LoungeDomestic

NAG • Dr. Babasaheb Ambedkar International Airport • Domestic Terminal

Patna

1 lounges • 1 domestic • 0 international

1
Zesto Execustive LoungeDomestic

PAT • Patna Airport • Domestic Terminal

Prayagraj

2 lounges • 2 domestic • 0 international

2
AirportDomestic

PRA • Prayagraj Airport • Domestic Terminal

Airport Zesto Execustive LoungeDomestic

PRA • Prayagraj Airport • Domestic Terminal

Pune

3 lounges • 3 domestic • 0 international

3
Earth LoungeDomestic

PUN • Pune Airport • Terminal 1

Elysian LoungeDomestic

PUN • Pune Airport • Domestic Terminal

Elysian LoungeDomestic

PUN • Pune Airport • New Integrated Bldg

Ranchi

2 lounges • 2 domestic • 0 international

2
Cram BarDomestic

RAN • Food Hangar, Security Hold Area, 1st Floor, Domestic Departure, Birsa Munda Airport • Domestic Terminal

The Airr LoungeDomestic

RAN • Food Hangar, Security Hold Area, 1st Floor, Domestic Departure, Birsa Munda Airport • Terminal 1

Vadodara

1 lounges • 1 domestic • 0 international

1
Premium LoungeDomestic

VAD • Vadodara Airport • NA

Varanasi

1 lounges • 1 domestic • 0 international

1
Take off Bar and LoungeDomestic

VAR • Varanasi Airport • Domestic Terminal

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • 10% cashback on dining, grocery and food-delivery categories
  • 1.5% cashback on other eligible spends
  • Dining discount proposition through EazyDiner tie-up under current program terms
  • Card-level cashback model with straightforward statement benefit tracking

Things to Consider

  • 10% category cashback is capped at ₹1,000 per statement cycle
  • No cashback on cash advances, loans, EMIs, rent, wallet loads and fuel
  • Cashback on international spends is currently excluded

About HSBC Live+ Credit Card

HSBC Live+ Credit Card is a cashback card from HSBC, best for dining, grocery and food delivery users who can stay within monthly cap. It is tagged under dining, lifestyle, cashback categories in our database.

DiningLifestyleCashback

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Frequently asked questions

Is HSBC Live+ Credit Card lifetime free?

It has an annual fee of ₹999. Waived on ₹2L annual spend

What rewards does HSBC Live+ Credit Card offer?

10% cashback on dining, food delivery and grocery spends (capped), with 1.5% on other eligible spends.

Does HSBC Live+ Credit Card include lounge access?

HSBC Live+ Credit Card lists 66 lounge visits (48 domestic, 18 international).

Who should consider HSBC Live+ Credit Card?

Dining, grocery and food delivery users who can stay within monthly cap

Where can I apply for HSBC Live+ Credit Card?

Check the issuer website for application availability.