HSBC Live+ Card
HSBC Live+ Card
- 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
Get S$199 Cash via PayNow + $150 eCapita Voucher (total worth S$349) or 5,000 SmartPoints when you apply, spend a min. of S$800 from Card Account Opening Date to end of the following calendar month! Pay Annual Fee for HSBC TravelOne Card. T&Cs apply.
Enrol in Rollin’ Rewards today for FREE and stand a chance to be one of five lucky winners in our biggest points giveaway yet—93,800 SmartPoints! Each winner receives 18,760 SmartPoints, enough to redeem an Apple iPhone 16 Pro Max (worth S$1,899) from our Rewards Store.
Are you eligible?
Promotion is valid from 01-March-2025 to 11-March-2025
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$800 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 11th April 2025
What you need to know
[Rollin’ Rewards] We’re giving away 93,800 SmartPoints this month! Enrol in Rollin' Rewards by completing a simple 3-min questionnaire today.
[Rollin’ Rewards] This earns you 1 chance to win in our draw.
[Rollin’ Rewards] Increase your chances of winning when you successfully meet the eligibility requirements of this HSBC Credit Card Promotion, submit the claim form, and have it approved.
[Rollin’ Rewards] 5 lucky winners walk away with 18,760 SmartPoints each (enough to redeem an Apple iPhone 16 Pro Max 256 GB)
[Rollin’ Rewards] Didn’t win anything this month? You could win in the next—your chance(s) of winning will automatically roll over into next month’s draw. T&Cs apply.
Use 5,000 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.
HSBC Live Your Adventure: Get 1 Spin when you apply for an eligible HSBC Credit Card and make a min. of 10 transactions in 30 days
HSBC Live Your Adventure: Earn an additional Spin when you on your first S$1,800 spend
HSBC Live Your Adventure: Get S$200 GrabGifts Vouchers when you spend more than S$5,000
Please note that all rewards (Cash or SmartPoints) will typically be fulfilled approximately 5 months after the end of the campaign month (31 March 2025).
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.
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.
✈️ It's Time to Live Your Best Life! 😎
From 13 January to 13 April 2025, apply for any HSBC credit card with us on MoneySmart and make 10 qualifying transactions (no min. spend required)** and enjoy 1x spin per transaction! Each spin guarantees you a prize, bringing you closer to winning your way through 2025 :star::gift:
Not to mention, these rewards are STACKABLE with our MoneySmart-exclusive offers, so that's truly DOUBLE the prizes! So what're you waiting for, it's time to apply, spend, and SPIN! THAT! WHEEL!
*Each qualified customer is entitled to a maximum of 3 spins only.
**Within 30 days of card account opening.
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 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
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 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.
Interest rate: 27.80%
Annual fee: $196.20 (first year waiver available)
Minimum annual income:
Cashback benefits:
Interest rate: 27.90%
Annual fee: $196.20 (first year waiver available)
Minimum annual income:
Cashback benefits:
Interest rate: 27.90%
Annual fee: $196.20 for (first year waiver available)
Minimum annual income:
Cashback benefits:
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
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 include:
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).