Up to 8% Cashback | Instant Activation*
8% Cashback*
on Dining, Shopping and Entertainment
5% Cashback*
on fuel at Caltex and Shell gas stations in Singapore
0.3% Cashback*
on All Other Spends
MoneySmart Exclusive

Get S$199 Cash via PayNow or 3,500 SmartPoints  when you apply, spend a min. of S$500 from Card Account Opening Date to end of the following calendar month! Pay Annual Fee for HSBC TravelOne Card. T&Cs apply.
 
Additionally, enrol in our Rollin' Rewards campaign for FREE and stand a chance to win 50,000 SmartPoints. That’s enough to redeem ANY item from our Rewards Store, such as a Sony BRAVIA 3 85-Inch 4K Ultra HD Google TV (worth S$5,799) + an Apple iPhone 16 Plus 128GB (worth S$1,399).

Valid until 15 Dec 2024 - See more details below

Are you eligible?

    • Promotion is valid from 01-December-2024 to 15-December-2024

    • MoneySmart Exclusive gift is applicable for New-to-HSBC cardholders only

    • Customers need to apply through MoneySmart to be eligible

    • For HSBC TravelOne Card the first-year annual fee of S$196.20 (incl. GST) must be paid to be eligible for the promotion.

    • Applicants need to provide HSBC their consent to receive marketing and promotional materials from HSBC at the time of submitting their application

    • Spend a min. of S$500 in Qualifying Transactions from Card Account Opening Date to the end of the following calendar month.

    • Log into your MoneySmart account and submit your claim by 15th January 2025

What you need to know

  1. Use 3,500 SmartPoints to redeem any product from our Rewards Store such as:
    - Apple iPad (9th Gen) | Top up $160 more only
    - S$250 GrabGifts Vouchers | Redeem in full
    - Apple AirPods (4th Gen) with Active Noise Cancellation | Redeem in full
    - Hinomi Q1 Ergonomic Chair | Redeem in full
    - OR many other options available at our Rewards Store today.
    - For more information regarding SmartPoints, refer to our FAQ here.

  2. SmartPoints will be credited into your points wallet, with a validity period of 1 year. You can choose to redeem any reward, or accumulate your points for future redemptions. 

  3. [Rollin’ Rewards] Enrol in Rollin' Rewards by completing a simple 3-min questionnaire, and you could win up to 50,000 SmartPoints

  4. [Rollin’ Rewards] This earns you 1 chance to score amazing prizes each month.

  5. [Rollin’ Rewards] Increase your chances of winning when you successfully meet the eligibility requirements of this HSBC Credit Card, submit the claim form, and have it successfully approved.

  6. [Rollin’ Rewards] Redeem Epic Rewards with 50,000 SmartPoints such as:
    iPhone 16 Pro Max (18,760 SmartPoints)
    - AND Apple Watch Ultra 2 (12,345 SmartPoints)
    - AND Apple AirPods Pro (4,030 SmartPoints)
    - AND Apple iPad Air Wi-Fi 11” (10,030 SmartPoints)

  7. [Rollin’ Rewards] Didn’t win anything this month? You could win in the next—Not to worry, your chance(s) of winning will automatically be accumulated, and rolled over into next month’s draw. T&Cs apply.

  8. Get S$150 worth of GrabGifts vouchers in HSBC’s Christmas Spend & Get Promotion 2024. Valid till 31 Dec 2024. T&Cs apply.

  9. Please note that all rewards (Cash or SmartPoints) will typically be fulfilled approximately 5 months after the end of the campaign month (31 December 2024). 

  10. MoneySmart exclusive rewards do not stack with external or third party promotions unless otherwise stated. See T&Cs for details.

  11. *Instantly Activate Your Virtual Card for Google Pay and Apple Pay Shopping! T&Cs apply.

T&Cs
FAQ
Claim Form

Quick Facts

Get the maximum value by

When you spend on dining, shopping and entertainment. Plus enjoy 15% discount at over 200 restaurants in Asia, through the curated Live+ Dining Programme

Good for

Extra cashback on dining, shopping & entertainment, both locally and overseas

Categories to maximise this card

Shopping, Dining, Entertainment, Petrol

What people use it for

Lifestyle shoppers who are looking for higher cashback on dining, shopping and entertainment. Or customers who simply want to treat yourself or your loved ones with retail therapy, restaurant and cinema offers.

Get if

You are looking for a cashback credit card with high cashback and dining deals across Asia

All Details

Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

HSBC Live+ Credit Card Benefits 2024

The HSBC Live+ Card is a relatively new player in the Singapore credit card market and is currently known for its attractive cash rebates for streaming subscriptions services among other credit cards in Singapore.

Other notable highlights of this card include its 8% cashback at dining, shopping, and entertainment merchants, 5% cashback for fuel spend at Caltex and Shell petrol stations.

If you’re still considering whether to get the HSBC Live+ credit card, let’s consider the requirements, pros and cons and other related factors before you make a final decision.

Pros & Cons of HSBC Live+ Credit Card

Pros

  • Up to 8% cashback on dining, shopping and entertainment
  • Up to 5% cashback for transactions at Caltex and Shell stations
  • 0.3% cashback on other spends
  • Annual fee waiver available (first year only for primary cardholder and lifetime waiver for supplementary cardholders)
  • Enjoy worldwide 1-for-1 deals on dining, lifestyle and travel via HSBC
  • ENTERTAINER with HSBC Singapore mobile app

Cons

  • Interest rate of 27.80%, which is higher than other similar cashback credit cards in the market
  • The annual fee waiver for second year onwards will only be valid if the annual expenditure is above $12,500
  • A minimum spending of S$500 a month is required to earn the cash rebates

HSBC Live+ Credit Card—Is it MoneySmart?

Read our full review of HSBC Live+ Credit Card—the new lifestyle credit card that currently gives you 8% cashback at dining, shopping, and entertainment merchants

Compare HSBC Live+ Card vs. Citi Cash Back+ Card vs. SCB Simply Cash Credit Card

The HSBC Live+ card delivers the highest cashback for dining, shopping, entertainment, and fuel purchases. In contrast, the Citi Cash Back+ card is more versatile, offering 1.6% cashback on all spending, though it requires a minimum monthly spend to earn bonuses in certain categories.


The SCB Simply Cash Credit Card provides the lowest cashback rate at 1.5% on all spending without a minimum spend requirement, but it offers the most significant rebates on fuel at Caltex.


All three cards have the same annual fee. To sum up, the HSBC Live+ card could be a good fit if you can meet the $500 monthly minimum spend and frequently spend on dining, shopping, and entertainment.

HSBC Live+ Card

Interest rate: 27.80%

Annual fee: $196.20 (first year waiver available)

Minimum annual income:

  • $30,000-$40,000 for Singaporeans and PRs
  • $40,000 for foreigners

  • Cashback benefits:
  • Up to 8% cashback on dining, shopping and entertainment
  • Up to 5% cashback for transactions at Caltex and Shell stations
  • 0.3% cashback on other spends
  • Annual fee waiver available for primary cardholder and up to 5 supplementary cardholders
  • Exclusive access to HSBC ENTERTAINER with HSBC Singapore mobile app, enjoy over 1,000 worldwide 1-for-1 deals on dining, lifestyle and travel
  • Citi Cash Back+ Card

    Interest rate: 27.90%

    Annual fee: $196.20 (first year waiver available)

    Minimum annual income:

  • $30,000 for Singaporeans and PRs
  • $42,000 for foreigners

  • Cashback benefits:
  • 1.6% cash back on eligible spend all year round
  • No minimum spend required and no cap on cash back earned
  • No expiry for cash back earned
  • Earn 0.4% Bonus Cash Back on eligible spend (only valid for Citi Plus customers who are Primary Account Holders of a Citi Interest Booster Account
  • Up to S$1 million coverage for purchases of travel tickets
  • SCB Simply Cash Card

    Interest rate: 27.90%

    Annual fee: $196.20 for (first year waiver available)

    Minimum annual income:

  • $30,000 for Singaporeans and PRs
  • $60,000 for foreigners

  • Cashback benefits:
  • 1.5% cashback on all eligible purchases
  • S$588 cashback within 30 days of card approval
  • $80 cashback referral reward
  • No minimum spend requirement
  • Up to 23.7% fuel savings at Caltex
  • Get Insights To Maximise Your Cashback Credit Card

    HSBC Live+ Credit Card Application

    Here are 3 simple steps to apply for the HSBC Live+ Credit Card

    Step 1

    Apply via MoneySmart’s credit cards page

    You may begin your application by clicking on our HSBC Live+ Credit Card application link.


    When you choose to apply online or through the HSBC mobile app and via SingPass MyInfo, HSBC will pull your identity and income data from SingPass (which is already verified), thus cutting short the processing time. The approval-in-principle page will appear within minutes of submitting your MyInfo.

    Step 2

    Provide all documentation required

    You’ll need to provide all the necessary documentation in order for HSBC to approve your credit card application. This list of documents include:


  • NRIC or other identification details
  • Latest computerised payslip
  • Latest 12 months’ CPF Contribution History Statement
  • Latest Income Tax Notice of Assessment (NOA)
  • Step 3

    Receive your HSBC Live+ Credit Card

    You’ll be able to activate your HSBC Live+ Card instantly through the HSBC mobile app, and enter a One-Time Password (OTP) after keying in your 6-digit Online Banking PIN to secure all your credit card transactions. Thereafter, it’s ready for you to use on any of your purchases and you can track your cashback rewards and accumulated air miles with your HSBC mobile app!

    Frequently Asked Questions about HSBC Live+ Credit Card

    Are there any fees if I apply for the HSBC Live+ Credit Card?

    HSBC Live+ credit card charges an initial annual fee of $196.20 (with waiver available), and other fees like late payment fee, minimum monthly payment, foreign currency transaction fee, cash advance transaction fee, overlimit fee.

    Am I eligible for the HSBC Live+ Credit Card?

    If you’re a Singapore Citizen, Permanent Resident (PR) or foreigner with a valid Singapore Employment Pass, you’re eligible to apply for the HSBC Live+ Credit Card, as long as you’re aged 21 and above, and earn a minimum annual income of $30,000-$40,000 (for Singaporeans and PRs) or $40,000 (for foreigners).