HSBC Live+ Credit Card: Cashback on Groceries, Dining & Food Delivery

In today's blog, we will give you the information about HSBC Live+ Credit Cards based on their welcome rewards, cashback rate, and more.

The HSBC Live+ Credit Card is designed lifestyle credit card for modern users who want to earn rewards and enjoy savings on daily expenditures. It primarily benefits users who frequently spend on groceries, dining, food delivery, and everyday essentials. This gives you an accelerated value, mainly focusing on rewards and cashback in these categories, and ensures that users get more benefits and value by investing in this card for their daily shopping. These are the essential things in everyday human life.

In today’s world, credit card brands only offer benefits on food delivery and tend to favor just one platform, either Swiggy or Zomato. This forces users to choose a specific app to enjoy rewards. The HSBC Live+ Credit Card breaks this pattern by offering a flat 10% cashback on both Swiggy and Zomato, giving users true freedom of choice. Whether you're craving biryani from Swiggy or pizza via Zomato, users will get the same cashback every time. This flexibility makes this card more attractive it genuinely serves to modern lifestyle and variety matters as much as savings. 

One of its key features is a zero joining fee and an annual fee waiver based on achievable spending milestones, making it a cost-effective option for salaried professionals and families who are looking for the same. It also comes with contactless payment features, global acceptance, and access to international benefits such as airport lounge offers and fraud protection.

Whether you're shopping online, ordering food, or stocking up on household essentials, the HSBC Live+ Credit Card offers a more rewarding experience. This card is widely accepted and has practical benefits. It is a smart financial choice for users who want to utilize their card without the complexity of a traditional reward structure. 

What Are The Welcome Benefits of HSBC Live+ Credit Card?

• Welcome Benefit: Users will get Rs 1,000 cashback when they download and log on to the HSBC India Mobile Banking app and spend Rs 20,000 within the first 30 days of getting the card, and an Rs 250 Amazon e-gift voucher when they apply for the card online and complete video KYC (VKYC).

  
  

What Is The Cashback Rate of HSBC Live+ Credit Card?

• Users will get 10% cashback on all dining, food delivery, and grocery spends (capped at up to INR1,000 per billing cycle).

• 1.5% unlimited cashback on most other spends. 

What Are The Pros And Cons Of HSBC Live+ Credit Card?

Pros:

• 10% Cashback on Dining, Food Delivery & Grocery (capped at INR 1,000 per billing cycle): This is the standout feature, applicable across offline stores like DMart and local restaurants, as well as apps like Swiggy and Zomato, provided the merchant MCC qualifies 

• 1.5% Unlimited Cashback on Other Retail Spends: Applies to most eligible retail and entertainment purchases with no monthly cap, though some categories such as utilities and fuel, are excluded 

• Welcome Bonuses Worth- INR 1,000: INR 1,000 cashback if you spend INR 20,000 within 30 days and an additional Amazon gift voucher (INR 250‑100) for completing video KYC online 

• Fee Structure: Joining fee of INR 999 + GST (recouped by welcome cashback), and annual fee INR 999 + GST, which is waived if you spend INR 2 lakh per year.

• Domestic Airport Lounge Access: 4 complimentary visits per calendar year (max one per quarter)

  
  

Cons:

• INR 1,000/month Cap on 10% Cashback: Limits the maximum benefit from groceries/dining to INR 12,000 per year

• No International Lounge or Travel Perks: Domestic lounge access only, no travel, hotel, or international dining perks.

• High Forex Markup Fee (~3.5%): International spends a 3.5% fee, which offsets cashback benefits during foreign transactions.

• Limited Eligibility: Only available for salaried residents in select cities, typically aged 18‑65 with ≥INR 4 lakh annual income; self‑employed users often excluded unless they hold a high‑balance HSBC savings account

Fees And Charges:

• Joining Fees:

• Annual Fees: INR 999 + GST

• Cash Advance Fee: Cash advance fee: 2.5% of the cash withdrawn or INR 500. (Whichever is higher)

• Interest Rate: Interest Rates: 3.49% per month (41.88% per annum)

• Late Payment Fees: Late payment fee (Charged if the minimum amount due does not reach HSBC within 3 days of the payment due date- Subject to a minimum of `250 and a maximum of `1,200 per month

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

Visa Signature Network:

HSBC’s Live+ Credit Card uses the Visa Signature network, and there's a reason behind that. When banks issue credit cards, they don’t work alone; they team up with payment networks like Visa, Mastercard, RuPay, or Amex to handle the technical side of transactions. In this case, HSBC decided to go with Visa Signature, which is one of Visa’s more premium offerings. This wasn’t just a random pick; it fits really well with the kind of lifestyle the card is made for.

Visa Signature isn’t just another payment network. It’s aimed at people who like a little more comfort, some extra perks, and a smoother experience when spending, both online and offline. Since HSBC Live+ is designed for users who love ordering food online, going out, streaming, or travelling now and then, Visa Signature supports that lifestyle perfectly.

One of the best things about this network is how widely accepted it is. Whether you're shopping at your local store or booking a hotel in another country, Visa works almost everywhere. That global reach makes life easier for HSBC customers, especially since many Live+ users are likely to be well-travelled, tech-savvy, and used to making purchases from different places, not just from their home city.

But it’s not just about where you can use it, it’s also about what comes with it. Visa Signature cards are packed with add-ons like airport lounge access, travel insurance, concierge services, and even protection for purchases. There are discounts on hotel bookings, dining experiences, and more — all things that match well with the kind of person who would choose a lifestyle card like HSBC Live+.

Visa Signature offers things like fraud alerts, zero liability if your card is misused, and instant notifications. These features are especially useful if you’re someone who travels a lot or does shopping online.

Lastly, HSBC and Visa have had a long-standing global relationship. So it’s not surprising that HSBC picked Visa Signature for a card that’s meant to feel premium and rewarding. It’s a trusted network with reliable systems and a reputation that matches HSBC’s global brand image.

When choosing Visa Signature for the HSBC Live+ Credit Card adds serious value. It’s not just about how you spend, it’s about getting more out of each transaction, having fewer worries, and enjoying the little perks along the way.

Conclusion:

The HSBC Live+ Credit Card is a good choice for everyday spenders, especially those who regularly shop for groceries and enjoy ordering food online. Not like many cards in the market that limit your dining or food delivery rewards to a single platform, this card offers 10% on each Swiggy and Zomato, along with major offline grocery chains like DMart, making it one of the few truly flexible credit cards in the market. The 1.5% unlimited cashback on other retail spends further enhances its uses, ensuring consistent returns on most of your purchases.

It has some limitations, such as no travel perks, a cap on cashback, and exclusions on fuel, rent, and insurance, it still stands out for its reliability in essential categories. In conclusion, the HSBC Live+ Credit Card is ideal for users who regularly spend on groceries and food delivery and can take full advantage of this card, high-return benefits on routine spending, especially across food and grocery platforms, so the user can choose any platform of their choice by getting the same discounts.

If you want to know the unbiased AI score of HSBC Live+ Credit Card, read their detailed review, click here