HSBC Live+ Card
8% cashback on dining, retail shopping, and entertainment
HSBC Live+ Card
HSBC
- Base rate
- 0.3% on uncategorised spend
- Minimum monthly spend
- S$600 to unlock category rates
- Monthly cashback cap
- S$83/month
- Annual fee
- S$196.20 · First year waived
- Minimum income
- S$30,000
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View card details → [Affiliate]Cashback rates
As of April 2026Dining
Dining & food delivery
8%
Entertainment
Movies and streaming
8%
Shopping
Retail and mall shopping
8%
Petrol
Only at Caltex and Shell
5%
Other / uncategorised
Default rate on spend outside listed categories.
0.3%
Common exclusions: Insurance, Education, Government payments, Utilities, Transit, E-wallet top-ups
Highlights
- check8% cashback on dining, retail shopping, and entertainment
- checkRequires minimum spend of S$1,000 in eligible purchases for the first calendar quarter in which the card is issued, or S$600 in eligible purchases per month, for all 3 months in any subsequent calendar quarters
- checkCashback capped at S$250 per quarter
Cashback is projected from your spend per category.
Total monthly
S$2,250
Calculated locally. Adjust the sliders to project your cashback on this card.
Projected cashback on HSBC Live+ Card
S$624net / year
Effective rate 2.31% on S$27,000 annual spend
Per-category projection
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Frequently asked questions
How much cashback does the HSBC Live+ Card earn?
The HSBC Live+ Card earns 8% on dining, 8% on entertainment, 8% on shopping, 5% on petrol, with 0.3% on other eligible spend.
Is there a minimum monthly spend on the HSBC Live+ Card?
Yes. HSBC requires a minimum monthly spend of S$600 to unlock the bonus cashback rates. Below this threshold, eligible spend earns 0.3% for the month.
What is the monthly cashback cap?
Total cashback on the HSBC Live+ Card is capped at S$83 per month. Once this cap is reached, additional eligible spend in the same month does not earn further cashback.
What is the annual fee on the HSBC Live+ Card?
The HSBC Live+ Card has an annual fee of S$196.20 — first year waived.
What spend does not earn cashback?
HSBC typically excludes insurance, education, government payments, utilities, transit, e-wallet top-ups from cashback eligibility on the HSBC Live+ Card. Refer to the official terms for the full exclusions list.
Are the cashback rates guaranteed?
No. Banks update cashback rates, caps, and eligible categories regularly. Numbers on this page are projections based on rates verified as of April 2026, not guarantees of future earnings.
Terms and conditions apply.
Last verified: April 2026
SGfi is for educational purposes and does not constitute financial advice. Please consult a licensed professional before making financial decisions. SGfi may receive compensation from partners featured on this site.
All cashback values are projections based on published bank rates as of April 2026. Actual cashback earned depends on eligibility, exclusions, and rate changes by the issuing bank.