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HSBC Live+ Credit Card - Best card for offline spends in India

· 3 min read

As someone who's always on the lookout for ways to optimize my spending, there is an underrated gem in the HSBC Live+ Credit Card (previously known as HSBC Cashback card, which I have held for a while). It is my go-to card for a significant portion of my offline expenses, and for good reason.

Unbeatable Cashback on Daily Essentials​

The standout feature of this card is its impressive 10% cashback on dining and groceries. These categories make up a large chunk of my monthly budget when it comes to spends at physical stores, so the savings really add up. Whether I'm grabbing a quick bite or doing my weekly grocery run, I know I'm getting substantial value back on every purchase.

Low Slippage, High Returns​

The card gives cashback on any amount that you spend - unlike say a Diners Black that gives points for every 150 rupees. We have written a data-driven report about how important this efficiency is, which you can find in our slippage and vouchers guide.

Hassle-Free Redemption​

Unlike some rewards cards that require you to jump through hoops to redeem your points or miles, the HSBC Live+ keeps it simple. The cashback is automatically adjusted against your next statement. No need to track points or worry about expiration dates – your savings are applied effortlessly.

Welcome Offer and Addon Perks​

New cardholders can take advantage of an attractive welcome offer - where you get an extra Rs. 1,000 cashback for a spend of Rs 10,000. Even better, this offer extends to addon cards as well - so whenever you get an addon card - you can get an extra Rs. 1,000 for every Rs. 10,000 spent on the card. This is a great double dip opportunity. Overall, this makes it an excellent choice for families looking to maximize their rewards across multiple spenders.

Ready to Apply?​

If you're interested in adding this powerful cashback tool to your wallet, you can apply here. Full disclosure: This is an affiliate link, and using it helps support the running of this blog. We appreciate your support in keeping our content free and accessible!

The HSBC Live+ Credit Card has become an integral part of my financial strategy, offering substantial returns on everyday spending with minimal hassle. If you're looking to optimize your credit card rewards, especially on dining and groceries, this card is definitely worth considering.