HSBC Live+ Card
HSBC Live+ Card
Up to 8% Cashback | Instant Activation*
The HSBC Live+ Card shines for lifestyle spenders seeking boosted cashback on dining, shopping, and entertainment, both locally and overseas. Earn up to 8% cashback on Dining, Shopping, Entertainment spends and 5% cashback on Petrol spends. The Live+ Dining Programme and ENTERTAINER app provide extra value for frequent diners.
- 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
All Details
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HSBC Live+ Credit Card Benefits 2025
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 everyday spend (and even streaming subscriptions services!) among other similar cashback credit cards in Singapore.
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.
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
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Review by TJ. Hoo
"I had applied for 2 credit cards via MoneySmart so far, and their response has always been prompt. The process of getting the sign-up gift is also clear. I would definitely recommend going through them for credit card applications. "
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Review by D. Ng
"Really great experience signing up for a credit card with them. The gift came faster than expected, would definitely sign for another credit card using this website again."
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Review by A. Koh
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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
For cashback lovers, the HSBC Live+ Card is an enticing cashback card option given its attractive promotional rate of (up to) 8% cashback currently ongoing. That said, even after the promo period ends, you’ll still enjoy a solid 5% cashback on popular spend categories like dining, retail, petrol, and entertainment merchants, including streaming subscriptions like Disney+ and Netflix.
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:
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.
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
Minimum age: 21 and above
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
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 (for salaried employees) include:
For required documents for commission-based earners and self-employed individuals, please refer to their T&Cs.
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 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.