10% CASHBACK ON GROCERY PURCHASES & DINING, AIRPORT LOUNGE ACCESS

HSBC Live+ Credit Card

HSBC Live+ Credit Card - Our Money Guide Our Rating 4.0
Top Reasons to Choose
✔︎
10% cashback on grocery, dining & food delivery. Monthly cashback limit - ₹1000
✔︎
1.50% unlimited cashback on other card spends
✔︎
Domestic airport lounge access - 4 per year
Annual Fee

₹999

Minimum Income

₹6 lakhs per year

Annual Fee Offers
  • Welcome offer: ₹1000 cashback, at card spend of ₹20000 within 30 days of card issuance
  • Renewal offer: Annual fee waived on annual spend of ₹2 lakhs

10% cashback on grocery purchases, dining, food delivery  (up to ₹1000 per month)

  • Earning rate: ₹10 per ₹100 spent in these categories
  • Monthly cashback limit: ₹1000 (reached at 10,000 spending)

1.50% unlimited cashback on other card spends

  • Earning rate: ₹1.50 per ₹100 spent

Important exclusions (no cashback)

  • Fuel, e-wallets, property management fees
  • Rent, education, government related spends
  • Insurance, jewelry & antique items
  • Gambling, business to business transactions
  • Tolls and bridge fees, financial and non-financial institutions, 
  • Security broker services, collection agencies, charity, money transfers and wholesale clubs

Domestic airport lounge access - 1 time per quarter

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Benefits

  • Best-in-class cashback rate on grocery purchases, dining, and food delivery
  • Airport lounge access - not common in cards in this category, although the number of free visits is quite limited
  • No spending requirements for airport lounge access, unlike many competitor cards

Drawbacks to consider

  • High cashback on a few categories only. You would need to consider other credit cards to earn higher rewards on other card spends (other than grocery purchases, dining, and food delivery)
  • Cashback restrictions: Cashback given is restricted to ₹1000 per month; hence, you will not be able to earn 10% cashback in the promotion categories on high card spends

To read the full review of the card , please click here
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