All cards / HSBC India
HSBC Live+
Visa
HSBC Live+
HSBC Live+ was upgraded onto the Visa Infinite network in mid-2026 and now pairs an unusually broad 10% cashback across dining, groceries, utilities and online shopping (Amazon/Flipkart/Myntra excluded) with a low 1.99% forex markup — an appealing combination for someone who wants everyday cashback and occasional travel value from a single card rather than running separate cashback and travel cards.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
Annual fee
₹999
Joining fee
₹999
Reward type
cashback
Base reward rate
1%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in dining, groceries, utilities. Its annual fee waives if you can comfortably clear the spend threshold.
Benefits by category
- 🍽️ Dining & food delivery
10% reward rate (capped ₹1,000/monthly) · 10% cashback on dining, food delivery, groceries, utilities and online shopping (excluding Amazon, Flipkart and Myntra), each capped separately per month
- 🛒 Groceries
10% reward rate (capped ₹1,000/monthly)
- ✈️ Travel
Complimentary domestic and international airport lounge access via the Visa Infinite programme
- 🛍️ Shopping
10% reward rate (capped ₹1,000/monthly)
- 🧾 Utilities
10% reward rate (capped ₹1,000/monthly)
- 🌍 Forex / international spend
Runs on the Visa Infinite network with a comparatively low 1.99% forex markup for international spends · 1.99% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹1,00,000
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- 10% cashback on dining, food delivery, groceries, utilities and online shopping (excluding Amazon, Flipkart and Myntra), each capped separately per month
- Runs on the Visa Infinite network with a comparatively low 1.99% forex markup for international spends
- Complimentary domestic and international airport lounge access via the Visa Infinite programme
Pros
- + 10% cashback across five everyday categories — dining, food delivery, groceries, utilities and most online shopping
- + 1.99% forex markup is meaningfully lower than most non-travel-specialist premium cards
- + Visa Infinite lounge access adds a travel perk that pure cashback cards rarely include
- + ₹1,00,000/month income bar is more attainable than most cards offering Visa Infinite benefits
Cons
- − 10% cashback explicitly excludes the three largest e-commerce platforms (Amazon, Flipkart, Myntra), a significant carve-out
- − Each category cashback is capped separately per month, so heavy spenders hit ceilings quickly
- − ₹999 annual fee needs ₹3 lakh of yearly spend to waive, a higher bar than HSBC's fee-free Visa Platinum