HSBC Live+ Cashback Credit Card 2025
Save up to ₹15,000+ every year on dining, groceries, movies & lounge access!
Love dining out + grocery shopping? The HSBC Live+ Cashback Credit Card (formerly HSBC Cashback) is your go-to!
Get 10% cashback up to ₹1,000/month on dining, food delivery & groceries, 1.5% unlimited on everything else, 4 domestic lounge visits, buy 2 get 1 free movies on Saturdays, 15% off at 1,000+ restaurants, ₹1,000 welcome cashback on ₹20K spend, ₹999 fee (waived on ₹2L spend), and easy auto-crediting!
Best card for foodies + everyday spenders!
Why This Is The Best Cashback Card in 2025?
10% on dining/grocery • 1.5% unlimited everywhere • 4 lounge visits • Movie B2G1 • 15% dining discounts • ₹1K welcome • Fee waiver on ₹2L • 45 days interest-free.
Best for: Dining enthusiasts, grocery shoppers, movie lovers, moderate spenders
Card At a Glance
₹999 + GST
₹999 + GST (waived on ₹2L)
10% Dining/Grocery (₹1K cap)
1.5% Unlimited
4 Domestic/Year
Buy 2 Get 1 Free
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹999 + GST |
| Annual Fee | ₹999 + GST (waived on ₹2L spend) |
| Welcome Benefit | ₹1,000 cashback on ₹20K spend in 30 days |
| Rewards Redemption Fee | Zero (auto credited) |
| Foreign Currency Markup | 3.5% + GST |
| Interest Rate | 3.6% per month |
| Lounge Access | 4 visits/year (1/quarter) |
| Cash Advance Limit | 50% of credit limit |
Detailed Reward Rates (2025)
- 10% Cashback on dining, food delivery, groceries (up to ₹1,000/month)
- 1.5% Unlimited Cashback on all other eligible spends
- Auto-credited to statement within 45 days
- No expiry on cashback
- Exclusions: Fuel, rent, wallet loads, utilities, govt, insurance, jewelry, education
- Welcome: ₹1,000 on ₹20K in 30 days
Airport Lounge Access
- 4 complimentary visits/year (1 per quarter)
- Domestic lounges only
- Primary + add-on cardholder
- No spend criteria
Insurance & Protection Benefits
- ₹2 Lakh air accident cover
- Zero lost card liability
- 1 free add-on card
- Basic fraud protection
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 10% on dining/grocery (₹1K/month) | ₹1K cap on accelerated cashback |
| 1.5% unlimited + auto credit | High 3.5% forex markup |
| 4 lounges + movie B2G1 | Many exclusions (fuel, utilities) |
| ₹999 fee + easy ₹2L waiver | No fuel waiver |
| 15% dining discounts | 3.6% high interest rate |
Eligibility Criteria & Documents Required
- Age: 18-65 years
- Min Annual Income: ₹4,00,000
- Credit Score: 750+ preferred
- Documents: PAN, Aadhaar, Salary slips/ITR, Bank statements
How to Apply Online (5-Minute Process)
- Visit HSBC website or app
- Fill details & check pre-approval
- Complete video KYC
- Card delivered in 7-10 days
Final Verdict – Should You Get It in 2025?
If you spend ₹1L+ monthly on dining/groceries + everyday, get ₹12,000–₹20,000 value yearly. Best cashback card for food lovers – top pick for 2025!
Frequently Asked Questions (FAQs)
10% cashback cap?
₹1,000/month on dining, food delivery, groceries.
Fee waiver easy?
Yes, on ₹2L annual spend.
How is cashback credited?
Auto to statement within 45 days.
Movie offer details?
Buy 2 Get 1 Free on Saturdays via BookMyShow (up to ₹250/ticket).