HSBCVisaLive+ Credit Card
4.2NeoFinQ editorial rating
Lifestyle cashback card for everyday spending
- Good cashback rates
- Easy fee waiver
- Joining fee
- ₹999
- Annual fee
- ₹999
- Reward type
- cashback
- Best for
- Cashback
- Est. rewards
- ₹21,000/yr
Our verdict
Solid cashback card for everyday spending.
Perfect for
- Cashback seekers
- Grocery and dining spenders
Not ideal for
- Travel-focused users
Pros & cons
- Good cashback rates
- Easy fee waiver
- No lounge access
- Salaried only
Rewards
10% cashback on dining, food delivery, and groceries (capped at ₹1,000 per month); 1.5% unlimited cashback on other spends. Note: 1.5% cashback is NOT applicable on the categories where 10% is earned.
| Category | Earn rate |
|---|---|
| Dining | 5% |
| Travel | 3% |
| Groceries | 5% |
| Cashback | 5% |
Welcome offer
Vouchers worth ₹1,000 on spending ₹20,000 within the first 30 days of card issuance.
Benefits
Airport lounge
- 4 domestic lounge visits/yr
Travel
- 4 complimentary domestic lounge visits per year (1 per quarter) via the Visa program; no spending criteria currently enforced for 2024.
More benefits
- Welcome Bonus: Vouchers worth ₹1,000 on spending ₹20,000 within the first 30 days of card issuance.
Fees & charges
| Joining fee | ₹999 |
| Annual fee | ₹999 |
| Renewal fee | ₹999 |
| Fee waiver | Waived on ₹2 lakh annual spend; Joining fee waived for HSBC Premier customers |
| Waiver threshold | Spend ₹2L/yr |
Eligibility
Min. income (annual)
₹4L
Employment
Salaried
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