Credit Card Compare

HSBC Live+ Credit Card

Data last updated 25 October 2026
45.00%
Purchase rate
₹999
Annual fee
1,000
Bonus points

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Application

CardIQ

43Fair

Fair

Overall score, out of 100 · How this works

  • Airport lounge35
  • Cashback93
  • Rewards21
  • Sign-up bonus13
  • Travel50

Customer reviews

No reviews yet. Be the first to review the HSBC Live+ Credit Card.

Pros & cons

What's good

  • 1,000 bonus points to start, worth around ₹250 at our ₹0.25-per-point valuation.
  • Complimentary airport lounge access (3 visits a year).
  • Earns cashback on eligible spending.
  • No fee to add an additional cardholder.

Worth noting

  • Joining fee INR999 and annual fee INR999 both apply in the first year. Annual fee waived if annual spends exceed INR200,000. Charges are exclusive of GST and other applicable taxes, which are billed separately.
  • Requires a minimum income of ₹6,00,000 a year.
  • Earns no rewards points on spending.
  • Up to 45 interest-free days on purchases (below the 50-day median).

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Platinum
Card type
Visa
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
None

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
18 years old
Minimum income
₹6,00,000 p.a.
Residency
Indian resident
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
45.00% p.a.
Purchases
45.00% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
₹999 p.a.
Cash advance fee
2.5% of the amount
Foreign transaction fee
1.99%
Late payment fee
₹1,200
Over limit fee
₹500

Repayments

Interest-free period
Up to 45 days on purchases
Minimum repayment
100% of the Minimum Payment Due (MPD) – Subject to a minimum of ₹250 and a maximum of ₹1,200 per month

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Cashback

Cashback cap
₹1,200 per month
Ongoing cashback
10% on eligible spend

10% cashback on dining, food delivery, grocery, shopping and utility spends, capped at INR1,200 per month. 1.5% unlimited cashback on most other spends (exclusions apply). Cashback credited within 45 days of card statement date.

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Overseas fee1.99%Top 25% (17th of 91 cards)
Purchase rate45.00%Top 25% (21st of 91 cards)
Annual fee₹999 a yearMiddle of the market (53rd of 91 cards)
Sign-up bonus₹250Not as good as most cards (29th of 37 cards)
Interest-free days45 daysNot as good as most cards (61st of 73 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Issuer
HSBC