HSBC Live+ Card
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MoneySmart Exclusive
Guaranteed S$400 Cash via PayNow
Guaranteed S$400 Cash via PayNow
FREE with SmartPoints
Apple 11-inch iPad Wi-Fi (A16, 2025, 128GB Silver)
6140 SmartPoints
worth S$499
Apple 11-inch iPad Wi-Fi (A16, 2025, 128GB Silver)
6140 SmartPoints
worth S$499
FREE with SmartPoints
Shopee Voucher $450
6075 SmartPoints
worth S$450
Shopee Voucher $450
6075 SmartPoints
worth S$450
Only $86 with SmartPoints
Apple Watch Series 11, 42mm (GPS, Jet Black Aluminium Case with Black Sport Band)
6995 SmartPoints
worth S$599
Apple Watch Series 11, 42mm (GPS, Jet Black Aluminium Case with Black Sport Band)
6995 SmartPoints
worth S$599
FREE with SmartPoints
LEVEL8 Adventure Trolley Luggage Case (28-inch, Black)
5805 SmartPoints
worth S$829
LEVEL8 Adventure Trolley Luggage Case (28-inch, Black)
5805 SmartPoints
worth S$829
FREE with SmartPoints
Apple AirPods Pro 3
3900 SmartPoints
worth S$349
Apple AirPods Pro 3
3900 SmartPoints
worth S$349
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Get S$400 Cash or 6,140 SmartPoints (worth up to S$499 of Gifts) when you spend S$500 from Card Account Opening Date to end of the following calendar month!
PLUS, grab an extra gift in the May Mystery Madness! Win additional prizes like an Apple MacBook Neo (worth $849), Sony PS5 (worth $799), Nintendo Switch 2 (worth $719), Apple Watch Series 11 (worth $599), Apple AirPods Pro 3 (worth $349) or S$100 Grab Vouchers! T&Cs apply.
Valid till 04 Jun 2026
ARE YOU ELIGIBLE?
MoneySmart Exclusive Promotion is valid from 01-June 2026 to 04-June-2026
MoneySmart Exclusive gift is applicable for New-to-HSBC cardholders only
Customers need to apply through MoneySmart to be eligible
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 30th June 2026
WHAT YOU NEED TO KNOW
[MoneySmart Baseline Gift]
Choose between S$400 Cash via PayNow OR 6,140 SmartPoints when you meet the criteria above.[MoneySmart Exclusive May Mystery Madness]
Grab an extra gift in the May Mystery Madness! Be among the first 4 daily at 2PM or 9PM to submit your claim form to win additional prizes like an Apple MacBook Neo, Sony PS5, Nintendo Switch 2, Apple Watch Series 11, Apple AirPods Pro 3 or S$100 Grab Vouchers! T&Cs apply.Use 6,140 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints. Enjoy flexible redemption and get the rewards you want!
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.
Please note that all rewards (Cash or SmartPoints) will typically be fulfilled approximately 5 months after the end of the campaign month (30 June 2026)
MoneySmart exclusive rewards do not stack with external or third party promotions unless otherwise stated. See T&Cs for details.
*Instantly Activate Your Virtual Card for Google Pay and Apple Pay Shopping! T&Cs apply.
A new income criteria for HSBC Credit Card and Loan will take effect from 1 October 2025. Learn more
Card 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 2025
Other notable highlights of this card include its 8% cashback on select dining, shopping, and entertainment merchants, up to 17% fuel savings & extra 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.
Customer Reviews on MoneySmart Credit Card Applications
Review by TJ. Hoo
As seen on Google
Review by D. Ng
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Review by A. Koh
As seen on Google
Pros & Cons of HSBC Live+ Credit Card
Pros ✅
- Up to 8% (base 5% + extra 3%*) cashback on select dining, shopping, entertainment, and streaming subscriptions
*Valid till 31 Mar 2025 - 5% cashback on petrol
- Up to 17% fuel savings + additional 5% cashback on petrol pumped at Caltex and Shell stations
- 0.3% cashback on other eligible spend
- Complimentary first-year annual fee waiver
- Up to S$1 million complimentary travel insurance coverage when you charge full fare to card
Valid till 31 Mar 2025 - Exclusive access to 1-for-1 dining, lifestyle, retail, travel, and experiential offers worldwide via HSBC ENTERTAINER
- 15% off over 200 restaurants in Asia via Live+ Dining Programme, on top of dining cashback
- Use promo code “HSCARD24” to enjoy extra 5% off HSBC TravelSure travel insurance plan
- Complimentary e-Commerce protection for online purchases
Cons ❌
- Interest rate of 27.8% p.a., which is higher than other similar cashback credit cards in the market
- Subsequent annual fees waived from 2nd year onwards with min. $12,500 annual spend
- Min. $600 eligible spend per month required, otherwise flat 0.3% cashback applies
- Total cashback capped at $250 per quarter
- Complimentary travel insurance benefit will cease from 1 Apr 2025 onwards
Is the HSBC Live+ Credit Card MoneySmart™️?
Read our full review of HSBC Live+ Credit Card—the new lifestyle credit card that currently gives you at least 5% cashback at select dining, shopping, petrol, and entertainment merchants! 🛍️🍽️⛽
Comparison: HSBC Live+ Card vs Citi Cash Back Card vs OCBC 365 Card
Beyond cashback, the HSBC Live+ Card offers added lifestyle perks through the HSBC ENTERTAINER and exclusive Live+ Dining Programme privileges—featuring 1-for-1 dining, shopping, and other deals worldwide, coupled with 15% off at over 200 restaurants in Asia! Work hard, play harder indeed!
But how does the HSBC Live+ Card stack up against its other cashback contenders in the market? With prominent cards like Citi Cash Back rewarding up to 8% cashback on everyday spend and OCBC 365 providing 2X cashback on daily essentials too, it’s a competitive space to say the least.
Without further delay, let’s dive into a side-by-side comparison of these 3 popular cashback cards:
| Credit card | HSBC Live+ Card | Citi Cash Back Card | OCBC 365 Card |
|---|---|---|---|
| Interest rate | 27.8% p.a. | 27.9% p.a. | 27.78% p.a. |
| Annual fee | $196.20 (First year waived; subsequent years’ fee waived with min. $12,500 annual spend) | $196.20 (First year waived) | $196.20 (First 2 years waived; subsequent years’ fee waived with min. $10,000 annual spend) |
| Minimum annual income |
|
||
| Cashback benefits |
From this table, it’s evident that the OCBC 365 Card and Citi Cash Back Card are ideal for all-rounded cashback. They offer strong cashback across a broad range of everyday spend categories. In fact, the OCBC 365 goes a step further out of the bunch by including niche categories like EV charging, Watsons, and even utility bills. Plus, its double cashback feature is a nice bonus.
That said, the HSBC Live+ Card still holds on its own. Its base 5% cashback across dining, retail, petrol, entertainment, and streaming services is fairly commendable for everyday spend. However, we do concede that it falls short in other key spend categories like public transport, private commute, groceries, online food delivery, to name a few.
Get Insights To Maximise Your Cashback Credit Card
HSBC Live+ Card Eligibility & Requirements
For Singaporeans and PRs
| Documents Required | Salaried Employees | Commission-based Earners | Self-employed |
|---|---|---|---|
| NRIC (front & back) | Yes | Yes | Yes |
| (A) Notice of Assessment and CPF Statement via Singpass Myinfo | Yes (Preferred) | Yes (Preferred) | Yes (Preferred) |
| (B) Latest 3 months’ computerised payslip | Yes | — | — |
| Latest 1 year Notice of Assessment | — | Yes (if (A) was not provided) | Yes (if (A) was not provided) |
| Proof of billing address | Yes | Yes | Yes |
For Foreigners
| Documents Required | Salaried Employees | Commission-based Earners | Self-employed |
|---|---|---|---|
| Passport | Yes | Yes | Yes |
| Employment / S Pass | Yes | Yes | Yes |
| (A) Notice of Assessment via Singpass Myinfo | — | Yes (Preferred) | Yes (Preferred) |
| (B) Latest 1 year Notice of Assessment | — | Yes | Yes |
| Latest 3 months’ computerised payslips | Yes | — | — |
| S Pass holders: Latest 3 months’ bank statements, showing salary credit | Yes | Yes | — |
| Proof of billing address | Yes | Yes | Yes |
How to Apply For The HSBC Live+ Credit Card?
Here are 3 simple steps to apply for the HSBC Live+ Credit Card
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.
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 (for salaried employees) include:
For required documents for commission-based earners and self-employed individuals, please refer to their T&Cs.
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 air miles and other rewards 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 (first year waived*), and other fees like late payment fee, minimum monthly payment, foreign currency transaction fee, cash advance transaction fee, overlimit fee.
*Subsequent years’ fees can be waived with min. $12,500 eligible annual spend. 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 (for Singaporeans and PRs) or $40,000 (for foreigners).
Does HSBC Live+ Credit Card require any minimum spend?
- Yes, the HSBC Live+ Card has a minimum $600 spend per month requirement in order to enjoy maximum bonus cashback, capped at $250 cashback per quarter.
Otherwise, its flat 0.3% cashback will apply. Does HSBC Live+ Credit Card provide any complimentary airport lounge access?
- No, the HSBC Live+ Card does not have any complimentary airport lounge access.
How to pay HSBC Live+ Credit Card bill?
- To pay your HSBC credit card bill, simply follow these steps:
- Select "Pay and Transfer" > Select "Pay a Bill" > Select account to make payment from
- Select a bill payee from the list > Tap "Continue" > Tap "Confirm"
- Enter amount > Tap "Continue" > Review final details > Tap "Continue"
How to waive the late payment charge/fee for HSBC Live+ Credit Card?
- Usually, a $100 late payment fee applies for missed credit card bill payment. But you can take your chances to request for a fee waiver.
You can call HSBC’s customer service at +65 6472 2669 and request for a one-time goodwill late payment charge waiver. Banks are typically more lenient if it’s your first time missing a credit card bill payment.
Alternatively, you can do so via HSBC Singapore mobile app or online banking too. Simply log in > click on “Help” or “Messages” to send a fee waiver request. What’s the monthly credit limit for HSBC Live+ Credit Card?
- You can set up to 4X your monthly income for your HSBC Live+ card limit.
Can I earn cashback on movie tickets with the HSBC Live+ Credit Card?
- Yes, you can earn 5% guaranteed cashback on movie tickets (particularly at Golden Village) with the HSBC Live+ Card, as long as you satisfy the minimum $600 eligible spend per month.