HSBC Bank
HSBC Live Plus Credit Card
This is an invite only card
Apply and get ₹2200 Rewards
Top Benefits
Get ₹1,000 Cashback on Spending ₹20,000
in the first 30 days plus ₹250 Amazon eGift Voucher on online application with video verification
Get 4 Complimentary Domestic Airport Lounge
visits per year maximum 1 visit per calendar quarter
Best For
Shopping
Online Food Ordering
Dining
Travel
The HSBC Live Plus Credit Card is one of the strongest everyday cashback cards in the Indian market, ...
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The HSBC Live Plus Credit Card is one of the strongest everyday cashback cards in the Indian market, ...
The HSBC Live Plus Credit Card is one of the strongest everyday cashback cards in the Indian market, built specifically around food, grocery, and lifestyle spending. Issued by HSBC India on the Visa network, it carries a ₹999 joining fee and a ₹999 annual fee, with the annual fee waivable on annual spends of ₹2,00,000 or more.
The standout feature is 10% cashback on dining, food delivery, and grocery spends, capped at ₹1,000 per month (shared cap across all three categories). For households that spend ₹10,000 a month on Swiggy, Zomato, BigBasket, and dine-in restaurants, this card delivers the full ₹1,000 monthly cashback, totalling ₹12,000 annually, which is among the highest everyday-category cashback rates in India.
On top of the 10% category cashback, you get 1.5% unlimited cashback with no monthly cap on shopping, hotels, medicine, and most other retail spends. This is one of the few Indian cards offering both accelerated category rewards AND uncapped flat-rate cashback in the same product, removing the need for category planning.
Eligibility requires applicants to be between 21 and 65 years of age, with a minimum annual income of ₹6 LPA for salaried (₹50,000 monthly) and the same for self-employed. CIBIL score requirement is 720 for salaried and 725 for self-employed. The age range of 21 to 65 years is broader than typical Indian premium cards, making this accessible to senior professionals.
The welcome package is generous: ₹1,000 cashback as statement credit on spending ₹20,000 within 30 days (after downloading the HSBC India Mobile Banking app and logging in), plus a ₹250 Amazon eGift voucher on applying online with video KYC. Total welcome value of ₹1,250 more than offsets the ₹999 joining fee.
The card also includes 4 complimentary domestic airport lounge visits per year (max 1 per quarter), which is modest but useful for occasional travellers. There is no international lounge access, no movie ticket benefits, and no golf privileges, keeping the card focused on cashback rather than experiential perks.
View FAQ
Commonly Asked Questions
Q. What is the joining fee for the HSBC Live Plus Credit Card?
A. The joining fee is ₹999 plus applicable GST, charged at the time of card issuance. It is more than offset by the welcome benefits worth ₹1,250.
Q. Can the annual fee be waived?
A. Yes, the ₹999 annual fee is waived on annual spends of ₹2,00,000 or more in the previous card year.
Q. What is the highest cashback rate on this card?
A. The card offers 10% cashback on dining, food delivery, and grocery spends, capped at ₹1,000 per month combined. On other retail categories, you earn 1.5% unlimited cashback.
Expert Review
The HSBC Live Plus is one of the strongest mid-tier cashback cards in the Indian market for food and grocery-heavy households. The 10% cashback on dining, food delivery, and grocery (capped at ₹1,000 monthly) is genuinely competitive, and the 1.5% unlimited cashback on broader retail removes the need for category planning.
For a typical urban household spending ₹15,000 monthly on food/grocery and ₹35,000 on broader retail, the card delivers approximately ₹18,300 in annual cashback against a zero net fee (waived at ₹2 lakh spend). This works out to a 3% effective return on the typical monthly spend, which beats most mid-tier reward cards.
The card's simplicity is another major advantage. Cashback is auto-credited to your statement, removing the need for redemption portals, point tracking, expiry management, or partner transfers. For users who find the HDFC SmartBuy or Axis EDGE ecosystems overwhelming, the Live Plus is refreshingly straightforward.
The card has limitations. The 3.5% forex markup is uncompetitive for international travellers. The exclusion list (utilities, insurance, rent, fuel, education) is broad, so household-bill-heavy users may not extract expected returns. HSBC's smaller branch network in India can also affect service quality compared to HDFC or ICICI.
Our recommendation: get this card if your monthly food and grocery spends exceed ₹10,000, or if you want simple cashback without complexity. It pairs well with a utility-focused card (Axis ACE) and a travel-focused card (HDFC Diners ClubMiles or Axis Atlas) to cover the full spending spectrum. For pure cashback simplicity at a moderate fee, the HSBC Live Plus is hard to beat.
Joining/Annual Fee
Joining Fees
₹1,179 ( ₹999 + GST )
Annual Fees
₹1,179 ( ₹999 + GST )
The HSBC Live Plus has a ₹999 joining fee charged at the time of card issuance, plus applicable GST. ...
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The HSBC Live Plus has a ₹999 joining fee charged at the time of card issuance, plus applicable GST. ...
The HSBC Live Plus has a ₹999 joining fee charged at the time of card issuance, plus applicable GST. The joining fee is more than offset by the ₹1,000 welcome cashback (on ₹20,000 spend within 30 days) plus a ₹250 Amazon voucher, totalling ₹1,250 in welcome value.
The annual fee is also ₹999 plus applicable GST from year two onwards. The fee is waived on annual spends of ₹2,00,000 or more in the previous card year, which is a moderate threshold most users can hit if they consolidate spending. ₹2 lakh annually works out to about ₹16,500 monthly.
GST at 18% applies to both fees, so the total first-year cost is ₹1,178 (₹999 + ₹179 GST). The annual fee from year two, if not waived, is also ₹1,178.
The fee economics make this card especially attractive. Even at the minimum waiver threshold of ₹2 lakh annual spend, you would earn approximately ₹3,000 in cashback (at a blended rate of 1.5% to 3%), against zero net fee. The break-even spend is significantly below the waiver threshold.
View FAQ
Commonly Asked Questions
Q. What is the joining fee for this card?
A. The joining fee is ₹999 plus 18% GST, totalling ₹1,178 at the time of card issuance.
Q. How can the annual fee be waived?
A. The annual fee is waived on annual spends of ₹2,00,000 or more in the previous card year, which is roughly ₹16,500 per month.
Q. Are the welcome benefits sufficient to offset the joining fee?
A. Yes, the welcome ₹1,000 cashback plus ₹250 Amazon voucher (total ₹1,250) more than offsets the ₹999 joining fee.
Q. Is GST charged on the joining and annual fees?
A. Yes, 18% GST applies to both joining and annual fees.
Eligibility
Age
Criteria*
21-65 years
Salary
Criteria*
6LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
Yes
The HSBC Live Plus has accessible eligibility requirements for a mid-tier cashback card. Applicants m...
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The HSBC Live Plus has accessible eligibility requirements for a mid-tier cashback card. Applicants m...
The HSBC Live Plus has accessible eligibility requirements for a mid-tier cashback card. Applicants must be between 21 and 65 years of age, applicable to both salaried and self-employed individuals.
The minimum annual income requirement is ₹6 LPA for salaried applicants (₹50,000 monthly) and ₹6 LPA for self-employed (similar threshold). Self-employed applicants need to validate income through ITR filings of the last two years and bank statements.
A CIBIL score of 720 or above is required for salaried applicants, and 725 or above for self-employed. HSBC also considers overall credit behaviour, payment history on existing loans, and credit utilisation. The bank tends to favour applicants with HSBC banking relationships, though external customers are also welcomed.
You must be a resident Indian citizen with valid PAN, Aadhaar, and address proof. HSBC has a smaller branch network in India compared to major Indian banks, with operations primarily in metros and tier-1 cities including Mumbai, Delhi, Bangalore, Pune, Hyderabad, Chennai, and Kolkata.
View FAQ
Commonly Asked Questions
Q. What is the minimum income required?
A. The minimum annual income is ₹6 LPA for both salaried and self-employed applicants.
Q. What CIBIL score is needed?
A. A CIBIL score of 720 is required for salaried applicants and 725 or above for self-employed.
Q. Can senior citizens apply for this card?
A. Yes, the age limit of 65 years is broader than most Indian premium cards, making this card accessible to senior professionals.
Q. Do I need an HSBC banking relationship to apply?
A. No, HSBC banking relationship is not mandatory, though existing HSBC customers may have a smoother application process.
All Card Benefits
- Earn 10% cashback on dining, food delivery, and grocery spends, one of the highest cashback rates in these everyday categories, capped at ₹1,000/month
- Get 1.5% unlimited cashback with no monthly cap on shopping, hotels, medicine, and most other retail spends
- Welcome package worth ₹1,250 - ₹1,000 cashback on ₹20,000 spend in 30 days plus ₹250 Amazon voucher on online application
The HSBC Live Plus is built around a two-tier cashback structure designed to reward both food-heavy a...
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The HSBC Live Plus is built around a two-tier cashback structure designed to reward both food-heavy a...
The HSBC Live Plus is built around a two-tier cashback structure designed to reward both food-heavy and broader retail spenders. The first tier delivers 10% cashback on dining, food delivery, and grocery spends, applicable across all merchants in these categories. The combined monthly cap is ₹1,000, which translates to ₹10,000 in monthly spending across these three categories to fully extract the benefit.
For typical urban households spending ₹15,000 to ₹20,000 monthly on food and grocery, the cashback cap is easy to hit. A user spending ₹4,000 on Swiggy, ₹3,000 on Zomato, and ₹5,000 on BigBasket earns ₹1,000 cashback (cap), versus ₹1,200 on uncapped basis. The cap is reasonable for the category but worth noting.
The second tier offers 1.5% unlimited cashback on shopping, hotels, medicine, and most other retail spends, with no monthly cap. So a user spending ₹50,000 monthly on broader retail (including online shopping, hotel bookings, pharmacy purchases, electronics) earns ₹750 in cashback every month at the 1.5% rate, totalling ₹9,000 annually with no cap.
Combined, a typical urban household spending ₹15,000 on food/grocery and ₹35,000 on broader retail extracts ₹1,000 + ₹525 = ₹1,525 per month, or ₹18,300 annually. Against a zero annual fee (waived at ₹2 lakh spend), this is a 3% effective return on a ₹600,000 annual budget.
Welcome benefits include ₹1,000 cashback as statement credit on spending ₹20,000 within the first 30 days, conditional on downloading the HSBC India Mobile Banking app and logging in. You also get a ₹250 Amazon eGift Voucher on applying online, completing video verification, and receiving the card. Combined welcome value of ₹1,250.
The card includes 4 complimentary domestic airport lounge visits per year, capped at 1 visit per calendar quarter. This is modest compared to premium cards but useful for occasional domestic travellers. The card does not offer international lounge access, movie tickets, golf, or other experiential perks.
HSBC's strength is in cashback simplicity and broad merchant acceptance via the Visa network. The card supports contactless payments and is compatible with Apple Pay, Google Pay (non-UPI), and Samsung Pay where applicable. There is no concierge service or premium dining programme.
View FAQ
Commonly Asked Questions
Q. What is the welcome benefit on this card?
A. You get ₹1,000 cashback as statement credit on ₹20,000 spend within 30 days, plus a ₹250 Amazon eGift Voucher on applying online with video KYC. Total welcome value of ₹1,250.
Q. What is the monthly cap on cashback?
A. The 10% cashback on dining, food delivery, and grocery is capped at ₹1,000 per month combined. The 1.5% cashback on other retail categories has no monthly cap.
Q. Does the card offer lounge access?
A. Yes, 4 complimentary domestic airport lounge visits per year, capped at 1 visit per calendar quarter. There is no international lounge access on this card.
Q. Are movie ticket benefits included?
A. There are no dedicated movie ticket discounts, but the 1.5% cashback applies to movie and entertainment spends since these fall under broader retail categories.
Q. Does this card have a fuel surcharge waiver?
A. No, this card does not offer a fuel surcharge waiver. Fuel transactions are also excluded from cashback earning.
Q. What insurance benefits does this card offer?
A. The card does not include explicit travel or accident insurance benefits, focusing instead on cashback returns.
Q. Is this card good for international transactions?
A. The 3.5% forex markup is industry-standard and not differentiated for international spenders. For forex-heavy users, consider IDFC FIRST Wealth (1.99%) or AU Zenith Plus (0.99%).
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
N/A
Redemption Options
This is a cashback card, and the earned cashback is adjusted directly in your monthly statement.
To check redemption catalogue
N/A
This is a cashback card rather than a points-based card. The cashback you earn is adjusted directly i...
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This is a cashback card rather than a points-based card. The cashback you earn is adjusted directly i...
This is a cashback card rather than a points-based card. The cashback you earn is adjusted directly in your monthly statement, with no redemption portal, voucher catalogue, or manual conversion process required.
The 10% cashback on dining, food delivery, and grocery is credited automatically as a statement credit in the next billing cycle. So if you earn ₹1,000 in cashback for the month, it reduces your next statement balance by ₹1,000. There is no minimum threshold or holding period.
The 1.5% unlimited cashback on other categories is similarly auto-credited to your statement, with no cap or minimum. So you do not need to track points balances or worry about expiry.
This makes the HSBC Live Plus one of the simplest cards to use in the Indian market. You spend, you earn, and the cashback reduces your next bill automatically without any action on your part. The absence of a redemption portal also means there is no redemption fee, no point devaluation risk, and no complex catalogue navigation.
Cashback does not expire because it is credited directly to your statement each cycle. There is also no monthly cap on the 1.5% category, so high spenders extract proportionally more value.
View FAQ
Commonly Asked Questions
Q. How is cashback credited on this card?
A. Cashback is automatically credited as a statement credit in your next billing cycle, reducing your outstanding balance directly. No manual redemption is required.
Q. Does cashback expire?
A. No, cashback does not expire because it is applied directly to your statement balance each cycle.
Q. Is there a minimum threshold to receive cashback?
A. No, there is no minimum cashback threshold. Even small cashback amounts are credited automatically.
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an HSBC Bank Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an HSBC Bank Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Utilities
Wallet loads
Fuel
Property management fees
Rent payments
Insurance premiums
Education
Government payments
Toll
Casino/gambling
Money transfers
EMI transactions
Business services
Security brokers
Jewellery
Charity
Wholesale clubs
Card repayments
Foreign currency
Cash withdrawal.
For Spends Waiver
Utilities
Wallet loads
Fuel
Property management fees
Rent payments
Insurance premiums
Education
Government payments
Toll
Casino/gambling
Money transfers
EMI transactions
Business services
Security brokers
Jewellery
Charity
Wholesale clubs
Card repayments
Foreign currency
Cash withdrawa
The HSBC Live Plus excludes a broad set of categories from earning cashback. Understanding these help...
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The HSBC Live Plus excludes a broad set of categories from earning cashback. Understanding these help...
The HSBC Live Plus excludes a broad set of categories from earning cashback. Understanding these helps you set realistic earning expectations.
Excluded categories include utilities, wallet loads, fuel, property management fees, rent payments, insurance premiums, education, government payments, toll, casino/gambling, money transfers, EMI transactions, business services, security brokers, jewellery, charity, wholesale clubs, card repayments, foreign currency, and cash withdrawals.
This is a broad list, but it is also typical for premium cashback cards. The card is designed to reward discretionary retail and food spending rather than household-bill payments. If your monthly spending is heavily concentrated in utilities, insurance, and rent, this card may not deliver expected returns.
The 1.5% unlimited cashback excludes the same list, so even on broader retail, you do not earn rewards on utilities, rent, or fuel. For utility-heavy spenders, the Axis ACE (5% on Google Pay utilities) or HDFC Tata Neu Infinity (specific category rewards) may be better picks.
The bank reserves the right to exclude any merchant or MCC at its discretion. Refer to the latest MITC document for the full exclusion list.
View FAQ
Commonly Asked Questions
Q. Are utility bill payments excluded?
A. Yes, utilities are excluded from cashback on both the 10% category and 1.5% category.
Q. Do rent payments earn cashback?
A. No, rent payments are excluded. Additionally, a 2% processing charge applies on rent payments through fintech apps.
Q. Are wallet loads (Paytm, Mobikwik) included?
A. No, wallet loads are excluded from cashback even if the wallet is then used at qualifying merchants.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50% |
APR Fees 3.75% monthly interest rate applies on the outstanding balance if the full amount due is not paid by the statement due date. The interest-free period is 20 to 55 days for new purchases. | 3.75% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹500. | 2.50% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card. | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals. | 1.80% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
cheque Payment Fees A fee of ₹500 is charged for payments made by cheque. | ₹500 |
Cash Payment Fees A fee of ₹100 is charged for payments made by depositing cash at a bank branch or ATM. | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹5000 | ₹500 |
| ₹5001 - ₹10000 | ₹750 |
| ₹10001- and above | ₹1200 |
Here is a complete breakdown of all charges on the HSBC Live Plus.
The joining fee is ₹999 plus GS...
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Here is a complete breakdown of all charges on the HSBC Live Plus. The joining fee is ₹999 plus GS...
Here is a complete breakdown of all charges on the HSBC Live Plus.
The joining fee is ₹999 plus GST. The annual fee is also ₹999 plus GST from year two, waivable on ₹2 lakh annual spend.
Forex markup is 3.5% on all international transactions. Spending USD 100 (about ₹8,300) costs ₹290 in forex fees, which is industry-standard for Indian cards.
APR on revolving balances is 3.5% per month, equivalent to 42% per annum. Carrying forward ₹50,000 of unpaid dues attracts ₹1,750 in interest per month. Always pay full statement balance.
Cash advance fee is 3.5% of the withdrawn amount, with a per-transaction flat fee of ₹99 plus GST. Cash advances should be emergency-only.
Reward redemption fee is ₹99 plus GST per cash withdrawal transaction. There is no separate redemption fee for cashback since it's auto-credited.
Railway booking surcharge is 1.80% for online and 2.50% for offline bookings. Rent payment processing charge is 2% of transaction value when paying through fintech apps.
Cheque payment charge is ₹250 per cheque, which is higher than the ₹100 charged by many other cards. Cash payment at branch is ₹100 per transaction.
Late payment charges are slab-based: ₹0 below ₹500, ₹500 for ₹501 to ₹5,000, ₹750 for ₹5,001 to ₹10,000, and ₹1,000 for balances above ₹10,000.
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹999 + GST |
| Annual Fee | ₹999 + GST (waived ₹2L) |
| Forex Markup | 3.5% |
| APR | 3.5% per month (42% p.a.) |
| Cash Advance Fee | 3.5% + ₹99 per transaction |
| Reward Redemption Fee | Auto-credited (no fee) |
| Railway Surcharge | 1.80% online / 2.50% offline |
| Rent Payment Charge | 2% of transaction |
| Cheque Payment Charge | ₹250 per cheque |
| Cash Payment at Branch | ₹100 per transaction |
| Late Payment Charges | ₹0 / ₹500 / ₹750 / ₹1,000 (slab-based) |
View FAQ
Commonly Asked Questions
Q. What is the interest rate on this card?
A. The interest rate is 3.5% per month, or 42% per annum. Paying full statement balance avoids these charges.
Q. What is the forex markup?
A. The forex markup is 3.5% on all international transactions, which is industry-standard for Indian cards.
Q. What are the late payment charges?
A. Late payment charges are slab-based, ranging from ₹0 below ₹500 to ₹1,000 for balances above ₹10,000.
Q. What is the cheque payment charge?
A. The cheque payment charge is ₹250 per cheque, which is higher than the ₹100 charged by many other cards.
Q. Is there a redemption fee?
A. No, cashback is auto-credited as a statement credit with no redemption fee. The ₹99 redemption fee applies only to cash withdrawal transactions.
Q. What is the rent payment charge?
A. Rent payments through fintech apps attract a 2% processing charge. Rent payments are also excluded from cashback earning.
Documents Required
To apply for the HSBC Live Plus, you need to submit identity, address, and income proof documents. Most can be uploaded digitally during the online application.
Identity proof requires PAN (mandatory) plus any one of Aadhaar, Voter ID, passport, or driving licence. Address proof can be Aadhaar with current address, recent utility bills not older than 3 months, rental agreement, passport, or driving licence with correct address.
Income proof for salaried applicants includes the last 3 months' salary slips and the last 6 months' bank statement showing salary credits. Self-employed applicants need the last 2 years' ITR with computation, latest 6 months' business bank statement, and proof of business existence.
HSBC may request additional documentation such as Form 16 or investment proofs during verification, especially for higher credit limits.
View FAQ
Commonly Asked Questions
Q. Is PAN mandatory for this application?
A. Yes, PAN is mandatory as per RBI regulations for all credit card applications in India.
Q. What income proof is needed for salaried applicants?
A. Salaried applicants need the last 3 months' salary slips and the last 6 months' bank statement showing salary credits.
Q. What income proof is needed for self-employed applicants?
A. Self-employed applicants need the last 2 years' ITR with computation, 6 months' business bank statement, and proof of business existence.
Who Should Get This Card?
The HSBC Live Plus is built for urban Indian households where food, food delivery, and grocery dominate monthly spending. A typical user is a working professional or nuclear family with monthly food spends of ₹10,000+ across Swiggy, Zomato, BigBasket, Blinkit, and restaurant dining. For this profile, the card delivers ₹12,000 in annual cashback just from the 10% category alone.
The card also fits users who want simple cashback without redemption complexity. The auto-credited statement adjustment is one of the most user-friendly reward structures in the Indian market. There is no points tracking, no expiry, no manual redemption, and no portal navigation.
As a secondary card alongside a primary travel or premium card, the HSBC Live Plus extracts maximum value on food and grocery spends while you use the primary card for other purposes. For example, pair it with the HDFC Diners ClubMiles (travel rewards) and Axis ACE (utility cashback) to cover all major spend categories.
This card is not ideal if your monthly spending is concentrated in excluded categories (utilities, insurance, rent, fuel, education). The 3.5% forex markup is also uncompetitive for international travellers. Users who prefer points-based rewards over cashback (for partner transfers, airline miles, hotel stays) may find this card limiting.
Credit Limit and What to Expect
The credit limit on the HSBC Live Plus depends on your income, CIBIL score, existing obligations, and HSBC's scoring. For ₹6 to ₹15 LPA income profiles, typical starting limits range from ₹1,00,000 to ₹3,00,000. For higher incomes or strong credit profiles, limits can reach ₹5,00,000 or more.
HSBC reviews accounts periodically and offers credit limit enhancements after 6 to 12 months of regular usage and timely payments. You can also request an enhancement through HSBC Online Banking or by calling customer care. Enhancements of 30% to 50% are common for cardholders with strong patterns.
Aim to keep credit utilisation below 30% to maintain CIBIL score. With a ₹2,00,000 limit, target monthly billed amounts of ₹60,000 or less.
Within your overall limit, cash advance limit is usually 20% to 40% of total credit limit. Cash advances attract a 3.5% fee with no minimum specified in source material, plus interest from the day of withdrawal at 3.5% per month.
View FAQ
Commonly Asked Questions
Q. What credit limit can I expect?
A. For ₹6 to ₹15 LPA income profiles, starting limits typically range from ₹1,00,000 to ₹3,00,000.
Q. When can I request a credit limit increase?
A. You can request an enhancement after 6 to 12 months of regular usage and on-time payments.
Q. What is the cash withdrawal limit?
A. The cash advance limit is usually 20% to 40% of your total credit limit, with a 3.5% fee per transaction.
How to Apply?
You can apply for the HSBC Live Plus through the HSBC India website, partner platforms like BankKaro that may offer additional welcome benefits, or by visiting an HSBC branch.
The online application via hsbc.co.in is the most common route. Visit the credit cards page, select Live Plus, click Apply Now, and fill in PAN, Aadhaar, date of birth, employment type, and monthly income. Upload digital copies of PAN, Aadhaar, latest 3 months' salary slips (for salaried) or last 2 ITR documents (for self-employed), and address proof.
HSBC runs a bureau check followed by internal verification. The initial decision typically comes within 3 to 7 working days. If approved, you complete video KYC from your phone (which also qualifies you for the ₹250 Amazon voucher). The physical card is dispatched within 7 to 14 working days.
The ₹1,000 welcome cashback requires you to download and log into the HSBC India Mobile Banking app, so complete this step early to ensure your spending qualifies for the welcome benefit.
View FAQ
Commonly Asked Questions
Q. Can I apply online?
A. Yes, you can apply through the HSBC India website, partner platforms like BankKaro, or by visiting an HSBC branch.
Q. How long does the application take?
A. Initial approval may take 3 to 7 working days. The physical card is dispatched within 7 to 14 working days after approval.
Q. Is video KYC required for the welcome voucher?
A. Yes, the ₹250 Amazon eGift Voucher requires you to apply online and complete video KYC verification.
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹2200 Rewards
Top Benefits
Get ₹1,000 Cashback on Spending ₹20,000
in the first 30 days plus ₹250 Amazon eGift Voucher on online application with video verification
Get 4 Complimentary Domestic Airport Lounge
visits per year maximum 1 visit per calendar quarter
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