Verified — 16/16 categories
HSBC · Visa
HSBC Live+ Credit Card
Best forUtilities & Groceries
Earns10% on utilities
1st Year / Joining Fee
₹999 + taxes
Renewal Fee
Not recorded
Fee waiver
₹2,00,000
annual spend
Network
Visa
HSBC
HSBC Live+ Credit Card
VisaWhy this card may suit you
Based on the card's verified terms.
- Best suited to spending on utilities and groceries, where it earns 10%
- Annual fee is waived at ₹2,00,000 yearly spend
How you earn
Reward rates at a glance — exactly as recorded for this card.
Utilities10%
Groceries10%
Dining10%
Food Delivery10%
Rent1.5%
All 16 reward categories · 16 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | 1.5% | — | 1.5% unlimited cashback on other eligible spend (Rent)Details
|
| Education | 1.5% | — | 1.5% unlimited cashback on other eligible spend (Education)Details
|
| Insurance | 1.5% | — | 1.5% unlimited cashback on other eligible spend (Insurance)Details
|
| Utilities | 10% | ₹1,200 per month | 10% accelerated cashback on Utilities, subject to monthly shared cap of ₹1,200 across dining, food delivery, grocery, utilities, and fashionDetails
|
| Fuel | No reward | — | —Details
|
| Groceries | 10% | ₹1,200 per month | 10% accelerated cashback on Groceries, subject to monthly shared cap of ₹1,200 across dining, food delivery, grocery, utilities, and fashionDetails
|
| Dining | 10% | ₹1,200 per month | 10% accelerated cashback on Dining, subject to monthly shared cap of ₹1,200 across dining, food delivery, grocery, utilities, and fashionDetails
|
| Food Delivery | 10% | ₹1,200 per month | 10% accelerated cashback on Food Delivery, subject to monthly shared cap of ₹1,200 across dining, food delivery, grocery, utilities, and fashionDetails
|
| Shopping | 1.5% | — | 10% accelerated cashback on Fashion / apparel spend subject to ₹1,200/month shared capDetails
|
| Travel | 1.5% | — | 1.5% unlimited cashback on other eligible spend (Travel)Details
|
| Government | 1.5% | — | 1.5% unlimited cashback on other eligible spend (Government)Details
|
| Wallet | 1.5% | — | 1.5% unlimited cashback on other eligible spend (Wallet)Details
|
| Railways | 1.5% | — | 1.5% unlimited cashback on other eligible spend (Railways)Details
|
| FASTag | 1.5% | — | 1.5% unlimited cashback on other eligible spend (FASTag)Details
|
| Jewellery | 1.5% | — | 1.5% unlimited cashback on other eligible spend (Jewellery)Details
|
| Telecom | 1.5% | — | 1.5% unlimited cashback on other eligible spend (Telecom)Details
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹999 + taxes
Renewal Fee
Not recorded
Fee waiver
₹2,00,000
annual spend
Reward caps
- Multiple — ₹1,200 / month (shared cap — Multiple)
Key benefits
Rewards
10% on utilities
Fuel surcharge waiver
1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 up to monthly cap
Foreign-currency markup
1.99% foreign-currency markup — 1.99% card-specific foreign currency markup for HSBC Live+
Fee waiver
Annual fee waived on ₹2,00,000 annual spend
Important to know
Limits and exclusions that change what you earn.
- Multiple rewards are capped at ₹1,200 / month (shared cap — Multiple)
- No reward on: Fuel
Who should consider this card
✓ Good fit if
- Your spending is concentrated in utilities, groceries, dining
- You can reach the ₹2,00,000 annual spend that waives the fee
△ Less useful if
- Much of your spending is in fuel, which earn nothing
- You cannot reach the fee-waiver spend and would pay the annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 1 caps · 1 no-reward categories
Caps
- Multiple — ₹1,200 / month (shared cap — Multiple)
Categories with no reward or not eligible
- Fuel — No reward.
Milestones · none recorded
No milestone benefit is recorded for this card.
Eligibility
Bank eligibility / internal underwriting
Specifications
- Payment network: Visa
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: 1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 up to monthly cap. GST is not waived.
- Foreign-currency markup: 1.99% foreign-currency markup — 1.99% card-specific foreign currency markup for HSBC Live+.
What DhanChakshu couldn't fully verify · 1 area
1 area needs further verification. None of these are counted as zero.
- • Lounge benefit — not recorded; check the issuer terms
Sources & verification
Verification & sources · last checked 2026-09-23
Verification coverage: All 16 categories verified
Card record last checked: 2026-09-23
Official product page: https://www.hsbc.co.in/credit-cards/how-does-cashback-work/
Documents used
HSBC Live+ product page; 10% accelerated categories, ₹1,200/mo cap, ₹999 fee, 1.99% FX · SRC-HSBC-LIVE-PAGE
HSBC tariff schedules and international transaction fee schedules · SRC-HSBC-FEE-SCHEDULE