HSBC Live+ Credit Card: Features & Apply

Table of Contents

Summary

All things considered, those who wish to take advantage of cashback incentives on regular expenditure would find the HSBC Live+ Credit Card to be a wise and feature-rich choice. This card strikes out right from the start because of its straightforward and satisfying layout. Perfect for those who regularly shop, eat out, or order online, it provides 10% cashback on dining, grocery, and food delivery as well as 1.5% limitless rewards on other qualified spending.

Furthermore, included on the card are four complimentary domestic airport lounge visits annually, which will ease your travel experience. Apart from this, it provides unique entertainment value with BookMyShow’s Saturday “Buy One Get One” deal. These advantages improve your way of life as well as save money.

Moreover, if your annual expenditure comes out to be ₹2 lakh or more, the joining and annual cost of ₹ 999 + GST is simply waived. This qualifies the card even for moderate spenders who properly handle their money. Apart from that, the welcome incentives—₹1,000 money and a ₹250 Amazon voucher—increase the appeal of the bargai, especially to new consumers.

Introduction

A credit card is a smart financial friend with many advantages, perks, and flexibility in the fast-paced world of today, not only a payment tool. Among the several credit cards on the market in India, the HSBC Live+ Credit Card is drawing interest for its appealing design and lifestyle advantages. This card is meant to fit your modern lifestyle, whether your interests are in shopping online, dining out, or weekend excursions.

The HSBC Live+ Credit Card is first well-known for its distinctive cashback and reward incentives. It lets you save more on meals, entertainment, and online buying, among other things you already pay for. For foodies, one of the main benefits of this card is really the five percent return on dining and food delivery. FFurthermoreincluded on the card are 2% cashback on internet purchases, including shopping, OTT subscriptions, and more.

Apart from rewards, the HSBC Live+ Credit Card has zero joining and yearly fees, so you won’t have to spend more to gain from it. Students who seek a low-maintenance but profitable card or first-time credit card users can notably benefit from this. With this card, HSBC also provides contactless payment technology, which lets you make quick and safe payments without swiping or inserting the card at point of sale systems.

HSBC makes sure cardholders have a seamless application experience going ahead. Online application is simple via the HSBC website or financial marketplaces. The procedure is easy, and for qualified people, the approval is fast. Most significantly, the card is accessible to salaried professionals with a consistent monthly income; solid credit will help you be approved. Once authorised, the card is delivered within a few days, so the experience is hassle-free as well.

What is the HSBC Live+ Credit Card?

Designed to provide outstanding value on your daily spending, the HSBC Live+ Credit Card is a lifestyle credit card. First of all, it is especially designed for those who enjoy eating out, shopping online, and entertainment. Using this card entitles you to rewards on food delivery, restaurants, and online shopping, therefore enhancing the value of your usual expenses. Furthermore, the card has no annual fees or membership charges, so you won’t have to worry about additional expenses merely to keep the card active.

Furthermore, faster and safer to use is the HSBC Live+ Credit Card, which facilitates contactless payments. Its worldwide usability is another crucial aspect, so you can also use it while on a journey overseas. Moreover, HSBC is quite helpful in daily life since it gives fascinating discounts and deals across well-known brands.

How is the design of the HSBC Live+ Credit Card?

The HSBC Live+ Credit Card is visually appealing, sophisticated, and stylishly designed. First of all, it looks classy and sophisticated from its sleek black-and- blue colour mix. The card looks neat and elegant since just the required elements are printed on the front, therefore simplifying its design. Furthermore, the HSBC logo and the “Live+” branding are cleanly positioned, therefore establishing a distinctive character.

Apart from its appearance, the card is simple to use with its contactless feature backed by a sign on the front. It is therefore more hygienic and convenient to tap and pay without swiping the card into machines. Moreover, the card is light and small, thus it fits well in your wallet without adding any weight.

What are the benefits of the HSBC Live+ Credit Card?

1. Strong Cashback on Daily Expenses

Ten percent payback on groceries, dining, and meal delivery—up to ₹1,000 every month. This makes your everyday meals and shopping much more fulfilling.

No monthly cap; 1.5% limitless cashback on all other qualified retail and leisure expenses.

2. Thank you for the rewards.

Spending ₹20,000 during the first 30 days and logging into the HSBC India mobile app will earn ₹1,000 cashback.

Once you finish video KYC online, 250 Amazon e-gift vouchers are yours.

3. Travel incentives

For a laid-back pre-flight experience, four complimentary domestic airport lounge visits—that is, one every quarter.

4. Discount dining

Along with the 10% cashback, the Live+ Dining Programme lets you get up to 15% discount at specific restaurants, therefore helping you to save up to 25% off your dining expenses.

5. Recreational Activities Provide

Get 1.5% cashback on entertainment, including movies or streaming.

Additionally, can take advantage of BookMyShow’s Buy-One-Get-One deal on Saturday ticket bookings up to ₹250.

6. Fee Policy and Waivers

Joining and annual fees come out to be ₹ 999 + GST.

Significantly, if you spend ₹200,000 or more in a year, the annual fee is waived.

7. Simple Refund Policy for Cashback

There is no waiting for points or redemption procedures; cashback is automatically credited to your card within roughly 45 days of your billing cycle.

What are the fees for the HSBC Live+ Credit Card?

Here is a simple breakdown of the HSBC Live+ Credit Card fee.

Joining Fee	₹999 + GST
Annual Fee	₹999 + GST
Add-on Card Fee	No additional charges for family members’ cards.
Finance Charges	If you don’t pay your bill in full, a charge of 3.75% per month (45 % annually) is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an HSBC Live+ Credit Card?

1. Age Requirement:

You should be between 18 and 65 years of age.

2. Income Requirement:

Salaried Applicants: A minimum net monthly income is required; however, the bank determines the specific amount, which may vary based on the applicant’s profile.

Self-Employed Applicants: A minimum ITR amount is required; the bank determines the specific amount and may vary depending on the applicant.

3. Employment Status:

You should have a regular job or business with a fixed income source.

4. Credit Score:

A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

You should be an Indian resident and have proof of a valid address.

What documents are required to get an HSBC Live+ Credit Card?

The documents that you will have to submit to get the HSBC Live+ Credit Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the HSBC Live+ Credit Card be used?

Here is the list of places where you can use it:

With the HSBC Live+ Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

You can also use it on websites like Amazon and Flipkart, and make bookings on websites like MakeMyTrip and Yatra.

You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.

You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

You can use your HSBC Live+ Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).

The HSBC Live+ Credit Card is also accepted in other countries, allowing you to make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the HSBC Live+ Credit Card?

The credit amount you can spend is what you are provided with when you have an HSBC Live+ Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an HSBC Live+ Credit Card?

Apply it through both these modes:

Online Application Process:

Visit the official website of the HSBC Bank, i.e.

Go to ‘Cards’, followed by ‘Credit Cards’.

On that page, you can see numerous options for credit cards issued by HSBC Bank; for instance, you can choose the HSBC Live+ Credit Card.

Simply hover your cursor over the HSBC Live+ Credit Card and select ‘Apply Now‘ from there.

You will be asked to fill out your details, including your name, contact information, income details, and employment status.

Be accurate and updated with the information provided.

You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

After filling out the details and uploading the documents, review your application to make sure everything is correct.

Apply online through the application form.

The bank will check your application after you submit it. They can ask for extra documents or information if required.

You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

You can walk into the nearest HSBC Bank branch to apply for the HSBC Live+ Credit Card.

Request the credit card application form for the HSBC Live+ Credit Card. They will provide you with the form and proceed accordingly.

Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

Your application will be processed, and your information will be cross-checked at the bank level.

In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

You will receive the HSBC Live+ Credit Card by post at the same postal address.

Once you receive your card, you need to activate it by following the instructions in the envelope through the HSBC Bank Card website, mobile app, or customer service.

For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an HSBC Live+ Credit Card in 2025 be the right choice?

Obtaining the HSBC Live+ Credit Card in 2025 can be a good option if you require a credit card with excellent offers, especially for those who shop for lifestyle products. The reward is amazing and comes with purchasing items such as jewelry. The bank also provides discounts and easy access to the EMI facility.

HSBC Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a perfect option in 2025.

Conclusion

Ultimately, for those who wish to maximise their daily expenses, the HSBC Live+ Credit Card is a wise and profitable option. First of all, it encourages users to save more every month by providing appealing cashback choices in common areas, including dining, meal delivery, online shopping, and grocery. Great features on the card also include free access to domestic airport lounges, welcome points, and BookMyShow discounts—special entertainment value.

Furthermore, one of the main benefits of this card is its straightforward architecture. Although its joining and monthly rates are ₹ 999, it is readily wiped off if your annual expenditure level is ₹ 2 lakhs. This makes the card a fantastic choice for both regular users who properly handle their money and for big spenders. Moreover, er more sensible than other credit cards with complex reward points systems is the basic cashback redemption programme, in which benefits are automatically credited.

Its modern and premium touch from the appealing design and contactless payment technology also matches the lifestyle of today’s young professionals, students, and salaried people. The card guarantees security and global acceptance as well, thus you may use it boldly both in India and outside.