HSBC Live+ Credit Card
The HSBC Live+ Credit Card gives you up to 8% cashback for dining, entertainment and shopping spend. It also comes with juicy lifestyle benefits, for those who believe in treating themselves to good food and rejuvenating retail experiences.
written_by SingSaver Team
updated: Apr 30, 2025
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In summary
Seedly rating: 4.3 stars
A cashback card for those who regularly splurge on dining, entertainment and shopping purchases, the HSBC Live+ Credit Card also offers cashback for streaming services, like your Spotify subscription. But is the 8% cashback worth it for the annual fee?
HSBC Live+ Credit Card
HSBC Live+ Credit Card
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| Min. Annual Income | S$30,000 for Singapore citizen or Permanent residents; S$40,000 for self-employed or commission-based Singapore Citizen or Permanent Resident; S$60,000 for foreigner residing in Singapore |
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| Card benefit | 0.3 - 8% cashback |
| Annual Fee | S$ 196.20 |
| REWARDS | |
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HSBC Live+ Credit Card
Rates, fees, and ongoing promos
Annual fee
$196.20
Shopping
8% cashback
Dining
8% cashback
Entertainment
8% cashback
Fuel Savings
Up to 17%
Min. income (Singapore Citizen or Permanent Resident)
$30,000 per annum
Min. income (Singapore Citizen or Permanent Resident, who is either self-employed or has a commissions-based job)
$40,000 per annum
Min. income (Foreigners)
$40,000 per annum
Introductory promo
$300 cashback
For foreigners employed in Singapore, you may be able to prove your credit worthiness by giving HSBC your consent to access your overseas credit history.
More details from HSBC
View rates and fees information.
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HSBC Live+ Credit Card members who do not meet the minimum spend requirements will receive 0.3% cashback.
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Card members enjoy a base cashback rate of 5% for all eligible dining, shopping and entertainment purchases by meeting the minimum spend requirement. (For shopping, this applies to both online and offline purchases.)
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New card members can get an additional 3% cashback on all eligible purchases, with a minimum spend of at least $1,000 in the first calendar quarter, followed by $600 for the next two subsequent quarters.
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Running on empty? Get up to 17% fuel savings and additional 5% cashback at Caltex and Shell stations in Singapore.
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Travel safe and with peace of mind with HSBC’s TravelSure at discounted rates. Includes coverage for Cancel For Any Reason, perfect for busy people with stacked schedules.
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Live to eat? Download the ENTERTAINER with HSBC Singapore app for awesome 1-for-1 deals from places like Dunkin’ Donuts, Harry’s and Brotzeit.
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Detailed review
Think of HSBC automatically waiving your first annual credit card fee of $196.20 as the first welcome gift of many. New HSBC Live+ Credit Card members will get $300 cashback for signing up and spending. They will also need to provide marketing consent and spend another $500, to redeem either a Samsonite ZELTUS Spinner luggage or $200 cashback. Spending another $500 on top of the first $500 will net them an additional $100 cashback.
Already have an account with HSBC but eyeing a Live+ card? You can still get $50 cashback when you apply, by providing consent to marketing and spending at least $500.
>> MORE: Bon Appétit! Here are the best dining credit cards of 2025.
HSBC Live+ Credit Card: The basics
Card type: Cashback
Annual fee: $196.20
Sign-up offer: $300 cashback for new HSBC members. Existing customers get $50 cashback.
Rewards:
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8% cashback on eligible dining, shopping and entertainment expenses. HSBC’s cashback on entertainment spend even covers streaming subscriptions, like Netflix, Spotify and Disney+.
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5% cashback at Shell and Caltex stations, and up to 17% in fuel savings.
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0.3% cashback on all other eligible spend.
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Complimentary coverage from AIG insurance on any losses or damages for online purchases.
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Discounted rates on comprehensive travel insurance from HSBC Travelsure, inclusive of Cancel For Any Reason coverage.
Foreign transaction fees:
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Stopping for a quick coffee break while travelling outside of Singapore? That purchase could incur a currency conversion fee, which is 1% for Visa card members.
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Short on cash? Be mindful that transaction fees can apply for ATM withdrawals too. For example, $8 will be charged for withdrawals from overseas ATMs in the VISA, MasterCard, PLUS or Cirrus networks. (Withdraw from HSBC ATMs instead to get these fees waived.)
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The other fee you should know concerns credit card cash advances. Unlike your regular credit card bill, interest for cash advances start accumulating the moment you make the transaction—you can expect an annual rate of about 26%. They also carry high fees, either 6% of the withdrawn amount or $15, whichever is higher.
>> MORE: The best balance transfer credit cards in Singapore.
Compare to other cards
Benefits and perks
Relatively high cashback on purchases
Not only does HSBC offer relatively high cashback rates on your purchases at 8%, they also happen to be quite wide-ranging. For starters, dining spend includes caterers, eating places and restaurants, bakeries and fast food restaurants. There’s only one notable exception: hotel dining. HSBC card members can also enjoy cashback on both offline and online shopping spend, inclusive of duty free stores. For entertainment spend, digital goods, such as books and movies are included, as are streaming services.
Save on fuel
With up to 21.15% fuel savings at Caltex and 18.3% fuel savings at Shell, the HSBC Live+ Credit Card is a great way for motorists to save while topping up on petrol. HSBC card members can also choose to enroll in the HSBC Shell GO+ Programme, to earn 1 Shell GO+ point for every $5 charged to your HSBC card—and turn their spending into free petrol.
Lifestyle benefits
If you believe in living life to the fullest, HSBC has got you covered. In addition to the perks we’ve already covered above, you can also get a 15% discount when dining in restaurants across Asia. This includes restaurants in Singapore, Malaysia, Indonesia, India, Vietnam, Taiwan, The Philippines and Sri Lanka. Big proponents of retail therapy can take advantage of HSBC’s deals on lifestyle and shopping brands, to score new workout threads from Adidas, or unwind at a spa.
Earn benefits on everyday spending
Pick the credit card that aligns with your spending habits and desired rewards to reel in those benefits! From air miles to cash rebates, here’s to living a more rewarding life.
Drawbacks and considerations
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Annual fees
Though HSBC will automatically waive your annual fee of $196.20 for your first year, you’ll need to pay for the full amount for the subsequent years of your membership. Though this is on par with other credit cards in the same range and may not feel like a large amount, you should still make sure you have room for it in your membership budget. Do note that if you spend more than $12,500 with your card per year, you can apply to get your annual fee waived.
Minimum spend requirement
Like other cash rebates or cashback cards, you need to spend a minimum amount with your HSBC Live+ Credit Card to unlock higher cashback rates. For new card members, this will be $1,000 for the first calendar quarter and will drop to $600 for the next two quarters.
Compare the best credit cards available in Singapore
Additional cashback rates are temporary
You’ll need to spend $1,000 for the first quarter and $600 for the following quarter for 8% cashback rates. For the subsequent quarter, however, your membership with HSBC would have passed the 6-month mark, which is when you’ll lose the additional 3% cashback. This means even if you hit your minimum spend requirement, you’ll only get a base cashback rate of 5%.
If keeping track of all this sounds like too much trouble, why not take a look at our pick for the ultimate in hassle-free unlimited cashback cards—the Citi Cash Back+ Card?
Every review is meticulously vetted and is 100% free, independent and impartial. They should not be regarded as financial advice or personalised recommendation in any way.
Is this the right card for you?
The HSBC Live+ Credit Card is a great pick for motorists who regularly spend on dining, shopping and entertainment. It’s also a fantastic choice for those able to fully utilise HSBC’s lifestyle benefits, such as the 15% discount on restaurants in Singapore and around the region, as well as deals on fashion and wellness brands.
If you’re after even greater cashback rates on big purchases and don’t mind paying a higher annual fee, there’s always the American Express True Cashback Card.
HSBC Advance Credit Card
HSBC Advance Credit Card
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| Min. Annual Income | S$30,000 for Singapore citizen or Permanent residents; S$40,000 for self-employed or commission-based Singapore Citizen or Permanent Resident; S$60,000 for foreigner residing in Singapore |
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| Card benefit | 1.5 - 2.5% cashback |
| Annual Fee | S$ 196.20 |
| REWARDS | |
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Alternate pick: Cashback
Seedly rating: 3.9 stars
HSBC Advance Credit Card
Flexible cashback for big spenders
Who says that earning cashback has to feel like a hassle? The HSBC Advance Credit Card gives you up to 2.5% cashback on all local and overseas spend.