HSBC Live+ Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: HSBC
Network: Visa | Tier: Entry
The HSBC Live+ Credit Card is an Entry Visa credit card issued by HSBC, best suited for urban users. It carries a joining fee of ₹999, with an interest rate of 3.49% per month. Key benefits include Lifestyle cashback and Rewards. On fees — No airport lounge access; Foreign transaction markup: 3.5%; Fuel surcharge: 1% waiver. Applicants typically need ₹4,00,000/year to qualify. It falls under the Entry-level, Fuel, and Rewards category on CreditCardHunt.
Affiliate disclosure: some links on this page are affiliate links and CreditCardHunt.in may earn a commission if you apply. It does not change our ratings or recommendations and costs you nothing extra. Full disclosure.
Why Choose the HSBC Live+ Credit Card?
The HSBC Live+ Credit Card is a Entry-tier Visa credit card issued by HSBC, 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 — a genuine plus for anyone eyeing this entry card.
Drawbacks of the HSBC Live+ Credit Card
- Limited features — worth weighing before you apply.
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 SBI Card — 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
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
Explore more on CreditCardHunt.in
- Browse all 100+ credit cards — filter by bank, fee, and reward type.
- Compare cards side by side — fees, rewards and benefits in one table.
- Find a card that matches your income and spending with our card finder.
- Read our credit card guides & FAQ.
Expert Rating: 4.3/5