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🏛️ HSBC

HSBC Live+ Credit Card

4.7 / 5
💳 Visa
Best for:✨ Food delivery✨ Groceries✨ Dining✨ Everyday cashback
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HSBCVisa

HSBC Live+ Credit Card

Cashback (statement credit)

Joining / Annual Fee

₹999

Waiver: Spend ₹2L in a year

Reward Rate

10% cashback on Dining, Food Delivery (Swiggy/Zomato) & Groceries (Blinkit/Zepto/Instamart); 1.5% unlimited elsewhere

Cashback (statement credit)

Lounge Access

4 visits/year (1 per quarter)

Intl: Not included

Forex Markup Fee

3.5%

Standard markup

🎁

Welcome Bonus & Activation Offer

₹1,000 cashback on spending ₹25,000 in 30 days + promotional welcome vouchers

💡

The Loot Verdict

Executive summary for savvy cardholders

🔥 Highly Recommended

🎯 Ideal For

Users seeking max value in Food delivery, Groceries, Dining, Everyday cashback.

⚡ Value Calculation

Annual Fee: ₹999. Easily recovered if annual spends exceed fee waiver benchmarks.

🧮

Interactive Net-Value & Cashback Calculator

Tailor your exact spend categories to calculate your true net annual profit and milestone rewards.

🔥 Up to 10% Returns
₹/ month
Presets:
Select Your Spend Profile:
Fee Waiver Goal: ₹2,00,000/yr🎉 100% Fee Waived!
Gross Rewards & Milestones

+₹17,640/yr

₹1,470/mo (Points + Milestone Vouchers)

Net Fee Paid

₹0 (Waived)

Spend >= Waiver threshold

Net Annual Profit

₹17,640

🔥 4.9% net return on your spend

⚖️ Pros & Cons

✓

What We Like

  • ✓10% cashback on Swiggy, Zomato, Blinkit, Zepto & dining (capped at ₹1,200/month)
  • ✓1.5% unlimited cashback on all other eligible spends
  • ✓Complimentary domestic lounge access
✕

Things to Keep in Mind

  • ✕₹1,200/month cap on 10% dining/grocery cashback category
  • ✕3.5% forex markup

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