HSBC India Live+ Card

Lounge access

• 3 complimentary airport lounge visits annually: 2 complimentary domestic lounge visits limited to one usage every 6 calendar months.
• And 1 complimentary international lounge visit w.e.f. 1st September 2026.

Verified · HSBC Live+ Credit Card – Services Guide (Terms & Conditions / Cardholder Agreement) · 2026-08-03 · source

Forex markup

• 1.99% foreign exchange mark-up on international transactions.
• 1.5% cashback no longer earned on international spends.

Verified · HSBC Live+ Credit Card – Services Guide (Terms & Conditions / Cardholder Agreement) · 2026-08-03 · source

Charge

• Finance charge on extended credit: 3.75% per month (45% per annum) from date of transaction.
• Cash advance transaction fee: 2.5% of transaction amount (min ₹500) at branches and ATMs.
• Finance charge 3.75% per month.
• Cash advance limit: up to 20% of credit limit.
• Currency conversion charge (foreign currency transactions): 1.99%.
• Late payment fee: 100% of MPD (min ₹250, max ₹1,200 per month).
• Overlimit fee: 2.5% of overlimit amount or ₹500 (whichever higher) + GST.
• Bounced cheque/dishonoured SI/unsuccessful NACH: ₹500.
• Transaction fee for cash withdrawal against bank account at ATMs overseas: ₹100.
• Cash payment charge (bill payment in cash at HSBC branches/drop-boxes): ₹100.
• Balance transfer: interest 10.99% to 15.99% p.a. across tenures, processing fee 1.5% (min ₹200).
• Rental and related payments (w.e.f. 25 January 2023): 1% processing fee plus applicable taxes.
• All fees charged with applicable taxes.

Verified · HSBC Live+ Credit Card – Services Guide (Terms & Conditions / Cardholder Agreement) · 2026-08-03 · source

Interest-free period

• Up to 45 days free credit on purchases.
• Not applicable if any balance of the previous month's bill is outstanding and not applicable for cash advance transactions.

Verified · HSBC Live+ Credit Card – Services Guide (Terms & Conditions / Cardholder Agreement) · 2026-08-03 · source

Fuel surcharge waiver

• 1% fuel surcharge waiver.
• Waiver applicable if transaction amount is between ₹400 and ₹4,000 (inclusive, excluding surcharge amount).
• Separate limited offer: ₹250 cashback on fuel contactless transactions on quarterly spends of ₹10,000 or more (26 July 2026 to 31 December 2026).
• Single fuel contactless transaction between ₹1,000 and ₹5,000.

Verified · harvested from product page · 2026-08-03 · source

Milestone benefit

• Myntra Launch Offer: 10% cashback on eligible shopping transactions on Myntra (via website/app) for the period 31 July 2026 to 31 October 2026.
• Capped collectively with other eligible categories at ₹1,200 per billing cycle.
• Credited within 45 days of statement date.
• After the offer period Myntra spends earn 1.5% unlimited cashback.

Verified · harvested from product page · 2026-08-03 · source

Redemption value

• No separate rewards programme.
• Cashback is credited directly.
• Eligible cashback amount is credited to the credit card account within 45 days of the statement date.
• Cashback on reversed/cancelled/nullified transactions is recovered from the cardholder.

Verified · HSBC Live+ Credit Card – Services Guide (Terms & Conditions / Cardholder Agreement) · 2026-08-03 · source

Reward cap

• 10% cashback capped at ₹1,200 per month/billing cycle across all accelerated categories.
• 1.5% cashback on other spends is unlimited.

Verified · HSBC Live+ Credit Card – Services Guide (Terms & Conditions / Cardholder Agreement) · 2026-08-03 · source

Reward exclusion

Verified · HSBC Live+ Credit Card – Services Guide (Terms & Conditions / Cardholder Agreement) · 2026-08-03 · source

Dining benefit

The Live+ Reserve: curated chef's menus & complimentary beverages at coveted restaurants, plus lifestyle benefits and discounts at marquee brands (available from 1 August 2026 via The Live+ Reserve portal; per qualifying usage: set menu OR complimentary beverage OR complimentary dessert).

Verified · HSBC Live+ Credit Card – Services Guide (Terms & Conditions / Cardholder Agreement) · 2026-08-03 · source

Insurance

• Lost Card Liability: cardholder covered for misuse up to 24 hours before reporting and 7 days after reporting the loss to HSBC, for up to ₹100,000.
• Insurance provided by ICICI Lombard General Insurance Company Limited (available to valid primary cardholders only; PIN-based and counterfeit transactions not covered).

Verified · HSBC Live+ Credit Card – Services Guide (Terms & Conditions / Cardholder Agreement) · 2026-08-03 · source

Eligibility

• Cardholder can apply for up to three additional (add-on) credit cards for spouse, parents, siblings or children above 18 years.
• Additional cards share the credit limit on the primary card.

Verified · HSBC Live+ Credit Card – Services Guide (Terms & Conditions / Cardholder Agreement) · 2026-08-03 · source

Official terms

https://www.hsbc.co.in/credit-cards/products/live-plus/.

Verified · HSBC Live+ Credit Card – Services Guide (Terms & Conditions / Cardholder Agreement) · 2026-08-03 · source