What is the annual fee of the HSBC Live+ Credit Card?

Rs 999 a year, before GST. It is waived if you spend Rs 2,00,000 in a year.

Does the HSBC Live+ Credit Card give airport lounge access?

Yes. In India: 2 per year. Outside India: 1 per year. Conditions: Conditions sit in a footnote not reproduced on the page. Aggregator: domestic visits are one per six months; international visit via the Visa Airport Companion programme; domestic visits were halved on 26 Jul 2026.

What is the forex markup on the HSBC Live+ Credit Card?

1.99% of each foreign-currency transaction, before GST.

Which spends earn no rewards on the HSBC Live+ Credit Card?

Issuer: fuel earns 0%; the 1.5% has an exclusion list not reproduced on the page. Aggregator list: fuel, wallet loads, rent, business transactions, education, government, insurance, jewellery, gambling, tolls, cash and card repayments, forex/crypto, stock brokers, money transfers, charity, wholesale clubs, hospitals, local bus and metro, and international spends. Aggregator: Amazon, Flipkart and Myntra earn 1.5%, not 10%.

M16S / HSBC / HSBC Live+ Credit Card

entry · cashback, shopping

HSBC Live+ Credit Card

HSBCVisaLast checked 11 Oct 2026

The HSBC Live+ Credit Card costs Rs 999 a year, waived if you spend Rs 2,00,000 in a year. Its base return is 1.5% (1.5% cashback on other eligible spend). Accelerated earn: 10% cashback on dining, food delivery, groceries, shopping and utilities. The forex markup is 1.99%. Lounge visits in India: 2 per year. Abroad: 1 per year. Read from the issuer's documents and an aggregator on 11 Oct 2026.

Annual fee: Rs 999+ GST
Fee waived at: Rs 2,00,000annual spend
Base return: 1.5%
Forex markup: 1.99%
Interest: 3.75%a month

Apply on hsbc.bank.inOpens the bank’s own page.

Fees

Joining fee	Rs 999
Annual fee	Rs 999
Annual spend that waives the fee	Rs 2,00,000
Fee notes	Rs 999 joining and annual; annual fee waived on spend above Rs 2 lakh a year

Rewards

Welcome benefit	Rs 1,000 cashback on app login plus Rs 25,000 spend in 30 days; Rs 750 voucher (Amazon Pay / Zomato / Swiggy) on a first transaction of Rs 300+; 10% cashback on Myntra to 31 Oct 2026; Rs 250 Amazon voucher for online application with video KYC
Reward currency	Cashback
Base earn	1.5% cashback on other eligible spend
Base return	1.5%
Point value	Cashback, Rs 1 = Rs 1
Accelerated earn	10% cashback on dining, food delivery, groceries, shopping and utilities
Caps	10% cashback capped at Rs 1,200 per month; 1.5% is uncapped
Spends that earn nothingunverified	Issuer: fuel earns 0%; the 1.5% has an exclusion list not reproduced on the page. Aggregator list: fuel, wallet loads, rent, business transactions, education, government, insurance, jewellery, gambling, tolls, cash and card repayments, forex/crypto, stock brokers, money transfers, charity, wholesale clubs, hospitals, local bus and metro, and international spends. Aggregator: Amazon, Flipkart and Myntra earn 1.5%, not 10%.
Reward notes	base_return_pct is the stated 1.5% on non-accelerated eligible spend. The Rs 1,200 cap is reached at Rs 12,000 of accelerated spend a month. Aggregator: on 26 Jul 2026 the 10% categories were widened and the cap raised, while base-cashback exclusions were added.

Travel and perks

Domestic lounge	2 per year
International lounge	1 per year
Lounge conditionsunverified	Conditions sit in a footnote not reproduced on the page. Aggregator: domestic visits are one per six months; international visit via the Visa Airport Companion programme; domestic visits were halved on 26 Jul 2026.
Forex markup	1.99%
Fuel surcharge waiver	None. HSBC's fuel surcharge waiver page says Live+ is not eligible. Separate offer: Rs 250 cashback on Rs 10,000 of contactless fuel spend per quarter.
Other freebies	District by Zomato and BookMyShow offers; Rs 200 off at Starbucks; 'Live+ Reserve' offers

Charges and eligibility

Interest per monthunverified	3.75%
Late payment feeunverified	Aggregator (general HSBC figure, not card-specific): 100% of the minimum payment due, minimum Rs 250, maximum Rs 1,200 per month
Cash advance feeunverified	2.5% min Rs 500
Eligibility	Age 18-65 salaried, 25-65 self-employed. Income Rs 6 lakh+ a year salaried, Rs 12 lakh+ self-employed. Resident in one of 21 listed cities.
Fine-print notes	Product page and HSBC's fuel surcharge page were read; the page describes Visa Infinite benefits after the July 2026 upgrade. The Live+ MITC (https://www.hsbc.bank.in/content/dam/hsbc/in/documents/credit-cards/visa-cashback/terms-and-condition.pdf) is blocked to automated readers, so the MCC-level exclusion list is from Card Insider (29 Jul 2026). HSBC's MITC/tariff PDFs and the rewards T&C PDF (https://www.hsbc.bank.in/content/dam/hsbc/in/documents/hsbc-rewards-tcs.pdf) are blocked to automated readers (robots.txt), so interest, late fee and cash advance fee are from aggregators and unverified. Aggregators disagree on interest: Card Insider gives a per-card rate, Paisabazaar says 'up to 3.49% a month' for all HSBC cards.

Questions

What is the annual fee of the HSBC Live+ Credit Card?: Rs 999 a year, before GST. It is waived if you spend Rs 2,00,000 in a year.
Does the HSBC Live+ Credit Card give airport lounge access?: Yes. In India: 2 per year. Outside India: 1 per year. Conditions: Conditions sit in a footnote not reproduced on the page. Aggregator: domestic visits are one per six months; international visit via the Visa Airport Companion programme; domestic visits were halved on 26 Jul 2026.
What is the forex markup on the HSBC Live+ Credit Card?: 1.99% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the HSBC Live+ Credit Card?: Issuer: fuel earns 0%; the 1.5% has an exclusion list not reproduced on the page. Aggregator list: fuel, wallet loads, rent, business transactions, education, government, insurance, jewellery, gambling, tolls, cash and card repayments, forex/crypto, stock brokers, money transfers, charity, wholesale clubs, hospitals, local bus and metro, and international spends. Aggregator: Amazon, Flipkart and Myntra earn 1.5%, not 10%.