# HSBC Live+ Credit Card

HSBC · Visa. ₹999 fee · 1.99% forex · 1.5% cashback on all other eligible domestic spends (uncapped) · international spends earn nothing since 26 Jul 2026.

✓ official · checked 20 August 2026 · Source: https://www.hsbc.co.in/credit-cards/products/live-plus/

## How it earns (2)

- 1.5% cashback on all other eligible domestic spends (uncapped) · international spends earn nothing since 26 Jul 2026 · verified · checked 25 August 2026
- 10% cashback on dining, food delivery, grocery (combined cap ₹1,200/cycle) · HSBC does not publish the exact merchant list · cap 1,200 points per month · ✓ official · checked 20 August 2026

## On gift vouchers

- ₹150 back on a ₹10,000 voucher bought direct. · 1.5% cashback on all other eligible domestic spends (uncapped) · international spends earn nothing since 26 Jul 2026
- Vouchers for ACT Fibernet, Bharat Petroleum (BPCL), Acko Insurance, BYJU'S and 32 more brands: nothing.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (3)

- No cashback on wallet-load / stored-value gift cards · brand vouchers earn base
- No cashback: fuel, utilities, rent (+1% fee), education, insurance, govt, wallet, jewellery, tolls, quasi-cash, gambling
- Reportedly no cashback on international / foreign-currency spends since 26 Jul 2026

## Lounges (2)

- 2 domestic visits a year, at most 1 in any 6 calendar months (cut from 4 a year on 1 Sep 2026). No spend condition. · Domestic (services guide) · domestic · 2 per year · checked 23 September 2026
- 1 international visit a year from 1 Sep 2026. The lounge network is not named. · International (services guide) · international · 1 per year · checked 23 September 2026

## Fees

- Annual fee: ₹999 + GST
  Waived at ₹2,00,000 spend per card year
- Forex markup: 1.99%
- DCC markup: Not published

## Dated changes (5)

- Devaluation · 1 September 2026: HSBC Live+ lounge access is now 2 domestic visits a year plus 1 international (https://getbrief.cards/changes#hsbc-liveplus-lounge-2026-09)
- Improvement · 15 August 2026: HSBC charges no forex markup on its credit cards until 31 October (https://getbrief.cards/changes#hsbc-zero-forex-2026)
- Improvement · 26 July 2026: HSBC Live+ cuts its forex markup and lifts the cashback cap (https://getbrief.cards/changes#hsbc-liveplus-2026-07)
- Devaluation · 26 July 2026: HSBC Live+: the 1.5% base cashback no longer accrues on international spends (https://getbrief.cards/changes#hsbc-liveplus-intl-cashback-2026)
- Improvement · 26 August 2023: HSBC Cashback card rebranded to HSBC Live+ (https://getbrief.cards/changes#hsbc-cashback-rebrand)

Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/hsbc-live-plus