HSBC

HSBC India Live+ Credit Card

Good fit for frequent dining users — ₹999 annual fee.

Top reasons to choose this card

4 complimentary lounge visits
₹2L fee waiver

What you'd do with it

Strongest on Dining and similar dining spend.
Competitive for day-to-day rewards with an estimated base return around 1.5%.
Works when a ₹999 annual fee is acceptable for the accelerated earn rates.

Limited lounge access 1 per quarter domestic lounge

Suggested comparison Similar tier comparison Compare with Axis Bank IndiGo →

Choose another card to compare →

Annual fee ₹999 per year

Forex markup 3.5% high

Lounge access 1 per quarter

Base cashback 10% up to · on Dining

The catch Verify guest/add-on access and current airport lounge list before relying on lounge access.

Welcome benefit timing may vary
Fee waiver available
Annual fee known
Forex markup known
1 per quarter domestic lounge

At a glance

Snapshot · usage · fit

Fast facts

Annual fee: ₹999 lower than 57 of 112 cards
Joining fee: ₹999
Forex markup: 3.5% the standard rate (matches 66 cards)
Lounge access: 1 per quarter domestic lounge
Reward rate: Up to 10% on Dining

Fit data not yet captured for this card.

Still worth it?

Evidence-backed snapshot

Good fit if

Annual fee is relatively low at ₹999.
Fee waiver applies at ₹2,00,000 annual spend.
Use this when dining spends are your main use case and the listed caps/exclusions still fit your usage.

Verify before applying

Annual fee known
Fee waiver available
Forex markup known
1 per quarter domestic lounge
Verify current lounge list
Airport lounge list may change
₹250 welcome benefit listed
Welcome benefit timing may vary

Welcome benefit timing and claim process.
Lounge terms to verify: 1 per quarter domestic lounge. Verify spend criteria, guest rules, and airport list before relying on it.
Annual fee waiver terms and eligible spend exclusions.
Issuer fees, GST, finance charges, and late-payment terms.
Reward limits
10% on Dining up to ₹10,000/month
1.5% on elsewhere
Fuel transactions excluded

Next best move

Open the ranking that matches your constraint, or compare this card with the closest alternative.

Compare with Axis Bank IndiGo Similar tier comparison Forex ranking (verified) Compared on verified forex markup, then annual fee. Lounge access shortlist Discovery list of cards with cardholder lounge access. Cards under ₹1,000 annual fee Lower-fee options in the current snapshot.

Is this good for lounge access?

1 per quarter domestic lounge. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.

Is this good for international spends?

Forex markup is 3.5%, so frequent international spends may be costly.

Is the annual fee easy to recover?

Fee waiver applies at ₹2,00,000 annual spend. Verify eligible spend exclusions before counting on it.

When do welcome benefits arrive?

Issuer lists a welcome benefit Cashback and voucher welcome stack. Included items: HSBC India Mobile Banking app, Amazon, Activation voucher. Timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.

Fees confidence: High Forex confidence: High Rewards confidence: High · issuer terms Lounge confidence: High Waiver confidence: High

Card facts refreshed 11 July 2026.

Spending requirements

Spend gates · caps · milestone thresholds

Annual fee waiver₹2,00,000yearAnnual fee waiverreasonablestrong

Watch outs

Before choosing this card

Forex markup is 3.5%, so frequent international spends may be costly.

Reward reality

Point value · limits · exclusions

Base earn1.5% base cashback

Best verified laneDining (domestic)10%

Limits/capsDining (domestic): up to ₹10,000 per month; excess not counted unless source allows fallback

Exclusions/no-earnThese spends do not earn cashback: Rent, Education, Fuel, and Insurance premiums, and 8 more.

Reward rules

Structured earn rates · eligibility · caps when they bind

Dining (domestic)10%10% accelerated cashback on dining, food delivery and grocery spends (online …up to ₹10,000 per month; excess not counted unless source allows fallback

Domestic spend1.5%1.5% unlimited cashback on most other eligible spends. No cashback on the exc…—

Estimated usage

Example usage at this monthly spend

₹

At this monthly spend, you'd earn: ~₹750/month back (base earn · uses base/general earn rate; partner and category bonuses not included)
~₹9,000/year back · net +₹8,000 after ₹999 fee
Fee waiver achievable at this spend
Forex cost ~₹1,750 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts

Benefits

Lounge Access

Domestic (cardholder): 1 per quarter

5 sources agree · verify issuer terms before applying

Where to verify

PaisaBazaar
Issuer site (verify current terms) (opens in new tab)
Issuer site (verified manually) (opens in new tab)
HSBC Co In Live Plus
Operator config (Hsbc Live Plus Domestic Quarterly)
International (cardholder): Not included International details not available.

5 sources agree · verify issuer terms before applying

Where to verify

PaisaBazaar
Issuer site (verify current terms) (opens in new tab)
Issuer site (verified manually) (opens in new tab)
HSBC Co In Live Plus
Operator config (Hsbc Live Plus Domestic Quarterly)

Rewards

Base cashback: 1.5%
Reward type: Cashback

Fees & charges

Fees

Monthly interest rate: 3.75% / month
Annual fee: ₹999
Joining fee: ₹999
Fee waiver spend: ₹2,00,000 Near catalog median waiver (₹2,00,000 vs ₹2,00,000).

International Use

Forex markup: 3.5%

2 sources agree · verify issuer terms before applying

Where to verify

BankBazaar
Operator-verified anchor
Issuer site (verify current terms) (opens in new tab)
Product tier: Mid-tier