Is HSBC Live+ Credit Card good for travel?

HSBC Live+ Credit Card is a cashback card from HSBC. It is not primarily a travel card, but may offer some travel benefits.

HSBC • cashback

HSBC Live+ Credit Card

Q: What is the annual fee of HSBC Live+ Credit Card?

The annual fee for HSBC Live+ Credit Card is Rs.999 + GST.

Q: How to apply for HSBC Live+ Credit Card?

You can apply for HSBC Live+ Credit Card online through HSBC's website or through CreditIQ's unbiased apply link. Eligibility typically requires a credit score of 750+ and a minimum income as per bank criteria.

Honest review — No affiliate bias — Updated May 2026

CreditIQ Score

8.2

out of 10

Rs. 999

Annual Fee

Rs. 999

Joining Fee

Visa/Mastercard

Network

cashback

CreditIQ Verdict

The HSBC Live+ Credit Card is a cashback credit card from HSBC with an annual fee of Rs.999. The fee is justified if you maximise the card benefits. Best suited for users who spend regularly on cashback categories and want to earn meaningful rewards.

Fees & Charges

Annual FeeRs. 999 + GST

Joining FeeRs. 999 + GST

Interest Rate42% per annum (3.33% per month)

Forex Markup3.5% on international transactions

Cash Advance2.5% of amount (min Rs. 500)

Late PaymentRs. 0 – Rs. 1,300 (based on outstanding)

Who Should Apply?

Good fit if you...

+ Spend on cashback regularly

+ Spend Rs.3,996+ per month

+ Have a good credit score (750+)

+ Meet the bank income criteria

Skip if you...

- Travel internationally often (high forex markup)

- Carry a balance month-to-month

- Are a first-time credit card user

- Already have a similar card

Frequently Asked Questions

What is the annual fee of HSBC Live+ Credit Card?

The annual fee is Rs.999 + GST. It is waived if you meet the annual spend threshold.

What is the reward rate on HSBC Live+ Credit Card?

HSBC Live+ Credit Card offers 1. Check the benefits section above for category-specific accelerators.

How to apply for HSBC Live+ Credit Card?

You can apply online through HSBC's website. Eligibility requires a credit score of 750+ and income as per bank criteria. Click the Apply button on this page for a direct, unbiased apply link.

Applying via CreditIQ

Zero affiliate bias. We show all cards equally — ranked by value, not commission.

Apply Now Compare with other cards

Quick facts

Annual feeRs.999

NetworkVisa/Mastercard

BankHSBC

Other HSBC cards

HSBC Cashback Credit Card

Rs.750 annual fee

HSBC Premier MasterCard

Rs.0 annual fee