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HSBC

HSBC Live+ Credit Card

VisaMidCashback
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Annual Fee

₹999

Reward Type

Cashback

Forex

3.5%

Lounge

0 dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹999
Annual Fee₹999(waived ≥ ₹2,00,000)
Min Monthly Income₹40,000

Rewards

Reward TypeCashback
Base Rate1.5%
Point Value₹1/point

Category Multipliers

dining grocery10%(cap ₹1,000)

Redemption Values

statement credit₹1/pt

Travel & Global

Forex Markup3.5%
Domestic LoungeNone
Intl. LoungeNone

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HSBC Cashback (100%) →SC Manhattan (97%) →Kotak Royale Signature Credit Card (95%) →AU Altura (93%) →AU Altura Plus (93%) →

💡 Fee Waiver Strategy

Spend ₹2L in a year to waive the renewal fee.

⚖️ Breakeven Analysis

To recover the ₹999 annual fee at the base reward rate of 1.5%, you need to spend ₹66,600 annually.

🎯 Pro Tips

  • ▸Max out the ₹1,000 monthly cap by spending exactly ₹10,000 on dining/groceries.
  • ▸Excellent secondary card for offline grocery shopping.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹24,501

Effective Rate

2.0%

Ranked #17 of 173 cards⭐ Top 30

₹999 annual fee deducted from gross rewards value.

📊 Spending Scenarios - Real-World Returns

Foodie (₹10k/mo dining)

Monthly: ₹20,000 · Annual: ₹2,40,000

5.75%
Effective Return
other: ₹10,000/modining: ₹10,000/mo
Annual Rewards Value₹13,800
After Fee (₹999)+₹12,801

10% cashback on dining/groceries capped at ₹1000/mo.

🔄 Redemption Pathways - Value per Point

MethodValue
Statement CreditBEST₹1.0/pt

🏷️ Best For

dininggrocerycashback