Cashback cards are a game-changer for everyday purchases, letting you earn back a percentage of your spending. If you love simple rewards without the hassle of points or loyalty programs, this thread is for you!
Let’s dive into the HSBC Live+ Credit Card and compare it with other popular cashback cards.
1. HSBC Live+ Credit Card: Features & Benefits
Joining Fee: ₹999 + taxes. (Waived if you spend ₹2 lakhs in a year!)
Welcome Benefit: Spend ₹20,000 in the first 30 days and earn ₹1,000 cashback.
Cashback Program:
- 10% cashback on groceries, food delivery, and dining (₹1,000 cap/month).
- 1.5% unlimited cashback on all other spends.
Dining Perks: 15% off at EazyDiner + 10% cashback on dining.
Entertainment: Buy 2, Get 1 Free on BookMyShow tickets (Saturdays only).
Travel: 4 complimentary domestic lounge visits annually.
2. Comparing Cashback Credit Cards
Joining Fees:
- HSBC Live+: ₹999 (Waived on ₹2L spend).
- Swiggy HDFC Bank: ₹500.
- ICICI Amazon Pay: ₹0 (No joining fee!).
- Cashback SBI Card: ₹999 + taxes.
Cashback Rates:
- HSBC Live+:
- 10% on groceries, dining, food delivery (₹1,000 cap).
- 1.5% on all other spends.
- Swiggy HDFC Bank:
- 10% on Swiggy spends.
- 5% on other brands, 1% elsewhere.
- ICICI Amazon Pay:
- 5% on Amazon (Prime users).
- 1% on other spends.
- Cashback SBI Card:
- 5% on groceries, dining, utilities.
- 1% elsewhere.
3. Additional Benefits
- HSBC Live+:
- Complimentary insurance.
- Dining & entertainment perks.
- Zero lost card liability.
- Swiggy HDFC Bank:
- Golf privileges & Mastercard World Tier benefits.
- Interest-free credit periods.
- ICICI Amazon Pay:
- 3-month Prime membership as a welcome gift.
- Dining discounts.
- Cashback SBI Card:
- Fuel surcharge waiver.
- Complimentary travel insurance.
4. Why HSBC Live+ Stands Out?
Its combination of high cashback rates, welcome bonuses, and dining perks makes it a versatile option for those who want to earn on everyday spending while enjoying additional lifestyle benefits.