All cards / HSBC India
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.
Annual fee
₹999
Joining fee
₹999
Reward type
cashback
Base reward rate
1.5%
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.
Rewards & benefits
- Movie & dining: 10% cashback on dining and food delivery, capped monthly
- Rewards rate: 1.5% base rate
- Domestic lounge access: 2 complimentary domestic airport lounge visits per year
- International lounge access: 1 complimentary international airport lounge visit per year
Benefits by category
- 🍽️ Dining & food delivery
10% reward rate (capped ₹1,200/monthly) · 10% accelerated cashback on dining, food delivery, groceries, shopping and utility spends, up to ₹1,200 a month in total, plus 1.5% unlimited cashback on most other spends
- 🛒 Groceries
10% reward rate (capped ₹1,200/monthly)
- ✈️ Travel
2 complimentary domestic and 1 international airport lounge visits each year, plus a complimentary 1GB global eSIM
- 🛍️ Shopping
10% reward rate (capped ₹1,200/monthly)
- 🧾 Utilities
10% reward rate (capped ₹1,200/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
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹2,00,000
- Foreign currency markup: 1.99%
- Interest rate: 42% p.a.
- Cash advance charges: 2.5% of the withdrawn amount or ₹300, whichever is higher; interest accrues from the date of withdrawal
Benefits
- 10% accelerated cashback on dining, food delivery, groceries, shopping and utility spends, up to ₹1,200 a month in total, plus 1.5% unlimited cashback on most other spends
- Runs on the Visa Infinite network with a comparatively low 1.99% forex markup for international spends
- 2 complimentary domestic and 1 international airport lounge visits each year, plus a complimentary 1GB global eSIM
Pros
- + 10% cashback across everyday categories — dining, food delivery, groceries, utilities and shopping — plus 1.5% unlimited cashback on most other spends
- + 1.99% forex markup is meaningfully lower than most non-travel-specialist premium cards
- + Visa Infinite privileges and 2 domestic + 1 international lounge visits a year add 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
- − The 10% cashback is capped at ₹1,200 a month in total, so heavy spenders hit the ceiling quickly
- − Lounge access is limited to 2 domestic and 1 international visit a year
- − ₹999 annual fee needs ₹2 lakh of yearly spend to waive, a higher bar than HSBC's fee-free Visa Platinum
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