70% split equally across Shopping, Travel, Dining; 30% other eligible spend. Standard redemption value. Renewal year; joining costs and taxes excluded.
Use Live+ first for grocery, dining and food delivery until cap is reached each cycle
Treat 10% as capped effective cashback, not unlimited earn
Latest change: Verified fee waiver, cashback cap architecture, and quarterly lounge entitlement from issuer page
For Dining, grocery and food delivery users who can stay within monthly cap. 10% on dining spend. ₹999 fee, waiver at ₹2,00,000 / year. Lounge rule: 1 visits / quarter.
You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.
Dining, grocery and food delivery users who can stay within monthly cap
These are the rules and drawbacks most likely to make the card feel disappointing after signup.
How to use the card well, and what to watch before applying.
Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.
Users who can consistently monetize monthly merchant offers
Users spending consistently in co-brand supported categories
Users wanting a low-fee AU card for shopping and dining spends
Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.
Joining fee ₹999
Waived on ₹2L annual spend
Dining spend
70% split equally across Shopping, Travel, Dining; 30% other eligible spend. Standard redemption value. Renewal-year estimate after annual fee; excludes joining costs, taxes and unmodeled exclusions.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Offer availability changes often.
This card is better treated as direct cashback or feature value.
No standout milestone boost highlighted.
Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.
4 domestic • 0 international policy count
Card-level policy notes: • Cashback on international spends is currently excluded Policy override notes: • Source map now links HSBC Live+ to issuer-published participating airport lounge list rows (66 lounges in current snapshot). • HSBC Live+ is currently communicated with domestic complimentary lounge benefit (up to 4 visits/year, one per quarter) in issuer pages. • Check HSBC Live+ terms for minimum transaction and usage conditions applicable to each complimentary visit. • Issuer communication currently indicates one complimentary domestic visit per quarter (up to four per year). • Complimentary guest lounge entry is not listed as a default HSBC Live+ benefit. • Priority Pass is not listed as a standard HSBC Live+ benefit in current issuer sources. - Source file: HSBC Live+ participating airport lounges PDF. - Live+ card currently lists complimentary domestic airport lounge visits with quarter-wise cap in issuer communication. - Verify latest per-quarter cap, minimum transaction rules, and lounge list changes in HSBC terms before travel. Verify latest spend criteria and guest access with issuer before travel.
Mapped from issuer lounge dataset + card policy signals
Review excluded spending, renewal charges and benefit conditions before deciding whether this card fits your needs.
This card does not have publishable enrichment records in the current high-confidence snapshot.
Check which benefits have issuer evidence, when each field was reviewed, and where the model remains incomplete.