HSBC Live+ Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: HSBC Bank
Network: Visa | Tier: Entry
Lifestyle cashback
Why Choose the HSBC Live+ Credit Card?
The HSBC Live+ Credit Card is a Entry-tier Visa credit card issued by HSBC Bank, rated 4.3/5 by the Credit Card Hunt editorial team. It is best suited for Urban users. With a reward rate of Rewards and an annual fee of ₹999, it ranks among the popular Entry-level cards in India in 2026.
New cardholders are welcomed with None, which adds immediate value in the first year and helps recover the ₹999 joining fee.
HSBC Live+ Credit Card Fees & Charges
| Annual Fee | ₹999 |
|---|---|
| Joining Fee | ₹999 |
| Interest Rate | 3.49% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
HSBC Live+ Credit Card Rewards & Benefits
| Reward Rate | Rewards |
|---|---|
| Welcome Bonus | None |
| Lounge Access | None |
| Best For | Urban users |
Key Highlights of the HSBC Live+ Credit Card
- Lifestyle cashback
- Rewards
HSBC Live+ Credit Card Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 750+
- Minimum income: ₹4
- 00
- 000/year
Minimum Income Required: ₹4,00,000/year
Advantages of the HSBC Live+ Credit Card
- Lifestyle benefits
Drawbacks of the HSBC Live+ Credit Card
- Limited features
HSBC Live+ Credit Card — Frequently Asked Questions
What is the annual fee of the HSBC Live+ Credit Card?
The HSBC Live+ Credit Card has an annual fee of ₹999 and a joining fee of ₹999. New cardholders receive None as a welcome benefit, which helps offset the joining cost.
Does the HSBC Live+ Credit Card offer airport lounge access?
No, the HSBC Live+ Credit Card does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the HSBC Live+ Credit Card?
The minimum income requirement is ₹4,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the HSBC Live+ Credit Card?
The HSBC Live+ Credit Card earns Rewards. It is best suited for Urban users.
Credit Cards Similar to the HSBC Live+ Credit Card
If you are considering the HSBC Live+ Credit Card, these entry-level credit cards are worth comparing before you apply:
- SBI Cashback Card (Visa) by State Bank of India (SBI) — rated 4.7/5, ₹999 annual fee
- ACE Credit Card by Axis Bank — rated 4.6/5, ₹499 annual fee
- IDFC FIRST Select Credit Card by IDFC First Bank — rated 4.5/5, NIL annual fee
- RBL ShopRite Credit Card by RBL Bank — rated 4.4/5, ₹500 annual fee
Expert Rating: 4.3/5