Add your cards
←All cards
HSBC India · Entry

HSBC Live+

Where it ranks across all 187 cards
#1 Online shopping 10.0% direct #1 Groceries 10.0% direct #1 Dining out 10.0% direct #1 Food delivery 10.0% direct #1 Utility bills 10.0% direct #1 Fashion 10.0% direct #24 Mobile / broadband 1.5% direct #32 Train tickets 1.5% direct #34 Other 1.5% direct
#37 Health & pharmacy 1.5% direct #39 Cabs & transit 1.5% direct #42 Electronics 1.5% direct #45 Flights 1.5% direct #46 Hotels 1.5% direct #53 Movies & events 1.5% direct
Get an email if this card changes - sign in.
Reward rules4 direct
Base rate - everything not covered below
1.50%base rate
1.5% cashback
source
Source: HSBC Live+ MITC - hsbc.co.in - read 20 Aug 2026
International spends earn NOTHING (from 26 Jul 2026)
0.00%this rule
0% cashback
how it works & source
The 26 Jul 2026 revision that widened the 10% lane also killed cashback on international spends.
Source: HSBC Live+ page + footnotes (26 Jul 2026 revision) - hsbc.co.in - read 22 Aug 2026
Amazon / Flipkart: 1.5% only (excluded from 10% shopping)
1.50%this rule
1.5% cashback
how it works & source
Myntra earns 10% as a LIMITED launch offer until 31 Oct 2026, then drops to 1.5% - move it back into this rule after that date. Amazon/Flipkart stay at 1.5%.
Source: HSBC Live+ Service Guide 07/26 (bank PDF) - hsbc.co.in - read 22 Aug 2026
10% dining / food delivery / groceries / shopping / utilities
10.00%this rule
10% cashback
cap ~₹1,200/month (internal estimate)
how it works & source
Since 26 Jul 2026: shopping + utilities joined the 10% set; cap ₹1,200/month (bank site). The 10% pays only on the MCCs HSBC lists (Service Guide pp. 22-23): gift-card sales (5947, e.g. Gyftr) are not on it and earn 1.5%.
Source: HSBC Live+ Service Guide pp. 21-23 - "Cashback will be credited solely on the MCC categorisation"; MCC table of Accelerated 10% Cashback codes (groceries, restaurants, shopping, utilities) - hsbc.co.in - read 27 Sep 2026
Percentages here are each rule's own rate. The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and portal/voucher routes above are shown for completeness but never set it.
Earns nothing on11 exclusions
Fuel
earns nothing
Fuel: 0% cashback (Service Guide MCC table).
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
categories: Fuel · MCCs: 5172, 5541, 5542, 5552, 5983
Source: HSBC Live+ Service Guide 07/26 (bank PDF) - hsbc.co.in - read 22 Aug 2026
Rent
earns nothing
Rent and property management: 0% cashback.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Rent · MCCs: 6513, 7012, 7349
Source: HSBC Live+ Service Guide 07/26 (bank PDF) - hsbc.co.in - read 22 Aug 2026
Wallet load
earns nothing
E-wallet loads: 0% cashback.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load · MCCs: 6540
Source: HSBC Live+ Service Guide 07/26 (bank PDF) - hsbc.co.in - read 22 Aug 2026
Insurance
earns nothing
Insurance: 0% cashback.
→ use Axis Burgundy Private here (6.4%)
detail & source
categories: Insurance · MCCs: 5960, 6300
Source: HSBC Live+ Service Guide 07/26 (bank PDF) - hsbc.co.in - read 22 Aug 2026
Jewellery & watches
earns nothing
Jewellery and antiques: 0% cashback.
→ use HDFC Infinia Metal here (3.3%)
detail & source
categories: Jewellery & watches · MCCs: 5094, 5932, 5937, 5944
Source: HSBC Live+ Service Guide 07/26 (bank PDF) - hsbc.co.in - read 22 Aug 2026
FASTag recharge
earns nothing
Local bus transport and tolls/bridge fees: 0% cashback.
→ use FIRST Private here (6.6%)
detail & source
merchants: FASTag recharge · MCCs: 4111, 4784
Source: HSBC Live+ Service Guide 07/26 (bank PDF) - hsbc.co.in - read 22 Aug 2026
Education
earns nothing
Education: 0% cashback.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Education · MCCs: 8211, 8220, 8241, 8244, 8249, 8299, 8351
Source: HSBC Live+ Service Guide 07/26 (bank PDF) - hsbc.co.in - read 22 Aug 2026
Government / tax
earns nothing
Government: 0% cashback.
→ use Biz Black Metal Edition Credit Card here (3.3%)
detail & source
categories: Government / tax · MCCs: 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9950
Source: HSBC Live+ Service Guide 07/26 (bank PDF) - hsbc.co.in - read 22 Aug 2026
Hospitals
earns nothing
Hospitals (MCC 8062): 0% cashback on Live+ - unusual exclusion, straight from the MCC table.
→ use FIRST Private here (6.6%)
detail & source
MCCs: 8062
Source: HSBC Live+ Service Guide 07/26 (bank PDF) - hsbc.co.in - read 22 Aug 2026
Gaming
earns nothing
Gambling: 0% cashback.
→ use FIRST Private here (6.6%)
detail & source
categories: Gaming · MCCs: 7995
Source: HSBC Live+ Service Guide 07/26 (bank PDF) - hsbc.co.in - read 22 Aug 2026
EMI
earns nothing
EMI-converted transactions earn no cashback (Service Guide - no MCC, transaction-type based).
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: HSBC Live+ Service Guide 07/26 (bank PDF) - hsbc.co.in - read 22 Aug 2026
A Starbucks premium coffee tasting session and ₹200 off your next purchase
on joining
Source: HSBC Live+ product page - hsbc.bank.in - read 11 Oct 2026
₹200value
₹1,000 cashback
on joining · download and log on to the HSBC India Mobile Banking app and spend ₹25,000 within the first 30 days of getting the card
Source: HSBC Live+ product page - hsbc.bank.in - read 11 Oct 2026
₹1,000value
₹750 voucher for Amazon Pay, Zomato and Swiggy
on joining · activate the card with a single transaction of ₹300 or more
Source: HSBC Live+ product page - hsbc.bank.in - read 11 Oct 2026
₹750value
₹250 Amazon eGift Voucher
on joining · apply online, verify yourself by video and receive the card; valid 1 January 2026 to 31 October 2026
Source: HSBC Live+ product page - hsbc.bank.in - read 11 Oct 2026
₹250value
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.
Myntra
10% cashback on shopping at Myntra, until 31 October 2026 · till 2026-10-31
Source: HSBC Live+ product page - hsbc.bank.in - read 11 Oct 2026
10%cashback
Fuel (contactless)
₹250 cashback on contactless fuel purchases of ₹10,000 or more each quarter
Source: HSBC Live+ product page - hsbc.bank.in - read 11 Oct 2026
₹250a quarter
District by Zomato
Buy one movie ticket and get one free via the District app by Zomato
Source: HSBC Live+ product page - hsbc.bank.in - read 11 Oct 2026
BookMyShow
Buy one movie ticket and get one free with BookMyShow
Source: HSBC Live+ product page - hsbc.bank.in - read 11 Oct 2026
BookMyShow
10% off live events with BookMyShow
Source: HSBC Live+ product page - hsbc.bank.in - read 11 Oct 2026
10%discount
District Play by Zomato
Up to 50% off, up to ₹300, on your first 3 pickleball, padel, football or tennis bookings with District Play
Source: HSBC Live+ product page - hsbc.bank.in - read 11 Oct 2026
50%up to ₹300
ITC Hotels
A complimentary 3rd night for every 2 consecutive paid nights, or 50% off the 2nd night, with ITC Hotels
Source: HSBC Live+ product page - hsbc.bank.in - read 11 Oct 2026
50%discount
Ajio Luxe
8% off on Ajio Luxe, up to ₹4,500, when you spend ₹10,000 or more
Source: HSBC Live+ product page - hsbc.bank.in - read 11 Oct 2026
8%up to ₹4,500
Sephora
10% off all online purchases at Sephora
Source: HSBC Live+ product page - hsbc.bank.in - read 11 Oct 2026
10%discount
Tattva Spa
A flat 20% off deep tissue, Indian Abhyanga and Swedish full body massages at Tattva Spa
Source: HSBC Live+ product page - hsbc.bank.in - read 11 Oct 2026
20%discount
Avis Car Rentals
Up to 35% off standard rates with Avis Car Rentals, plus complimentary membership to Avis President's Club
Source: HSBC Live+ product page - hsbc.bank.in - read 11 Oct 2026
35%discount
IHG Hotels
Save 20% on flexible rates at participating IHG Hotels, including InterContinental, Six Senses and Holiday Inn
Source: HSBC Live+ product page - hsbc.bank.in - read 11 Oct 2026
20%discount
Agoda
Save up to 7% on hotels, flights and activities in 200+ countries with Agoda
Source: HSBC Live+ product page - hsbc.bank.in - read 11 Oct 2026
7%discount
DineWithTimesPrime (The Live+ Reserve)
Complimentary access to a curated set of restaurants with chef-curated menus and complimentary beverages and desserts, through The Live+ Reserve powered by DineWithTimesPrime, from 1 August 2026
Source: HSBC Live+ product page - hsbc.bank.in - read 11 Oct 2026
Visa Infinite Meet and Assist
Complimentary airport Meet and Assist services when you spend over USD1,000 abroad in the past 12 months
Source: HSBC Live+ product page - hsbc.bank.in - read 11 Oct 2026
Rent
HSBC rent processing fee 1% + taxes
1%
🟢 HSBC Live+ after the Jul 2026 UP-valuation - the ₹12,000 lane
The only card that got BETTER in 2026: 10% now spans dining, food delivery, groceries, utilities AND ~40 shopping MCCs, cap raised to ₹1,200/cycle. First ₹12,000 of the right spends each month = flat 10%.
₹12,000/month in-lane → ₹1,200 → ₹14,400/year at a guaranteed 10%.
🥇 Gold below parity - AJIO coins on the apparel MCC
AJIO (Reliance) still processes gold coins under an apparel MCC - the last marketplace where cards earn on gold. Bhima 1g bars have listed BELOW spot+GST during promos; stack BoB Eterna 3.75% online or HSBC Live+ 1.5% plus its recurring AJIO instant-discount offers and you buy gold under parity on a credit card.
Aug 2026 live check: 6×1g Bhima bars ₹96,822 on Eterna → ₹3,631 back → effective ₹15,532/g vs ₹16,488 spot+GST parity = 5.8% BELOW parity.
No card paid to be here. A few have asked.
Every rate is read off the bank's own page and carries the date we read it. Every answer is worked out in your browser from that data - nothing is precomputed.
Something wrong? Contact us or email hi@kaunsacard.com.
TermsPrivacyRefundsDeliveryContact© 2026 KaunsaCard