HSBC Live+ Card — Up to 8% Dining & Shopping
Earns up to 8% on dining (intro), up to 8% on shopping & entertainment (intro), and up to 5% on petrol — on the max tier. Use the simulator to see your projected annual cashback.
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First-year: S$745 (includes a 6-month introductory rate)
Ongoing: ~S$583 / year
Introductory rates apply only to eligible new cardholders for the first 6 months.
| Category | Effective rate | Cashback |
|---|---|---|
| Dining | 8% (months 1–6) → 5% (ongoing) | S$19 |
| Shopping & Entertainment | 8% (months 1–6) → 5% (ongoing) | S$38 |
| All other categories (base rate) | 0.3% | S$5 |
| Monthly cashback | S$62 | |
| First-year cashback | S$745 | |
Get up to S$300 cashback - Spend S$500 to receive a Samsonite VOYA Spinner 68cm (worth S$680) or S$200 cashback. - Spend another S$500 to receive S$100 cashback.
Show termsHide terms
Applicant must provide marketing consent when applying and must not revoke consent at the time of receiving the gift. Must spend at least S$500 in qualifying spend within the spend period stated. Must not hold any HSBC credit card. Must not have cancelled an existing HSBC credit card within the last 12 months. Spend period runs from card account opening date to the end of the following month.
The information above is a summary and may be incomplete or outdated. Always refer to HSBC's official terms and conditions for the authoritative version.
Show existing-cardholder offerHide existing-cardholder offer
Existing HSBC cardholders receive S$50 cashback. Must provide marketing consent, spend at least S$500, not have cancelled an HSBC credit card within the last 12 months, and existing HSBC credit cards must have been issued 12 months ago or earlier.
The information above is a summary and may be incomplete or outdated. Always refer to HSBC's official terms and conditions for the authoritative version.
Terms and conditionsopen_in_new
Applyopen_in_new- •0.3% base rate on all eligible spend
- S$600+/mo tier:
- •5% on Dining (8% intro for first 6 months) — At dining merchants (caterers, eating places, bakeries, fast food restaurants). Hotel dining is excluded.
- •5% on Shopping & Entertainment (8% intro for first 6 months) — At shopping merchants (department stores, clothing, sporting goods, etc.) and entertainment merchants (streaming services, cinemas, digital goods, record stores).
- •5% on Petrol — At Caltex and Shell service stations in Singapore only.
- •Total cashback capped at S$250 per quarter
- •Annual fee: S$196.20 (First year waived. From the second year onwards, annual fee is waived if you spend more than S$12,500 per year.)
Crossing a monthly-spend threshold unlocks better rates — base and bonus categories can both shift.
- Live+ Dining Programme
Enjoy a discount at over 200 restaurants across Asia.
- Golden Village Movie Discounts
Enjoy a discount on single tickets at any Golden Village multiplexes in Singapore.
- Fuel Savings
Up to 17% upfront fuel savings at Caltex and Shell gas stations in Singapore.
- e-Commerce Protection
Complimentary coverage for any online purchase losses or damages.
- HSBC ENTERTAINER
Exclusive access to 1-for-1 dining, lifestyle, retail, travel, and experiential offers worldwide.
- Annual fee
- S$196.20First year waived. From the second year onwards, annual fee is waived if you spend more than S$12,500 per year.
- Annual fee waiver
- S$12,500 annual spend
- Foreign currency transaction fee
- 3.25%
- Late payment fee
- S$100
- Purchase interest rate (p.a.)
- 27.8%
- Cash advance interest rate (p.a.)
- 28%
- Cash advance service charge
- S$15 or 6% of amount withdrawn, whichever is greater
- Minimum payment
- 3% of statement balance or S$50, whichever is greater
- Interest-free period
- 20 days
- Min. income (Singapore Citizen / PR): S$30,000
- Min. income (Foreigner): S$65,000
- Minimum age: 21
Show eligibility detailsHide eligibility details
Minimum annual income varies by banking relationship and employment type. Existing HSBC customers with Total Relationship Balance (TRB) ≥S$50,000: S$30,000 for salaried Singaporeans/PRs, S$40,000 for self-employed/commission-based Singaporeans/PRs. All other Singaporeans/PRs and all foreigners: S$65,000. Bank may also consider overall financial standing, creditworthiness, employment and other relevant factors. Secured credit card option available with TRB of at least S$50,000 including minimum fixed deposit of S$10,000.
- •Earns 5% cashback on dining, shopping, and entertainment when the monthly minimum spend threshold is met.
- •Earns 5% cashback on petrol purchases at Caltex and Shell service stations in Singapore, with up to 17% upfront fuel savings also available at those stations.
- •The annual fee of S$196.20 is waived in the first year and waived from the second year onwards with a minimum annual spend of S$12,500.
- •Includes complimentary e-Commerce Protection covering online purchase losses or damages.
- •Provides access to 1-for-1 dining, lifestyle, retail, travel, and experiential offers worldwide through the HSBC ENTERTAINER programme.
- •The 5% (and 8% introductory) cashback rates on dining, shopping, entertainment, and petrol require a minimum eligible spend of S$600 per month for all 3 months in a quarter.
- •Total cashback earned across all categories is capped at S$250 per calendar quarter.
- •A broad range of spend categories do not earn cashback, including insurance payments, utilities, educational institutions, government services, PayLater and instalment plan amounts, and hotel dining.
- •The minimum annual income requirement is S$65,000 for most applicants, reduced to S$30,000 only for salaried Singaporeans/PRs who are existing HSBC customers with a Total Relationship Balance of at least S$50,000.
What spend is excluded from cashback?
Spend in these categories does not earn the published cashback rates on the HSBC Live+ Card.
- •Foreign exchange transactions (including but not limited to Forex.com)
- •Donations and payments to charitable, social organisations and religious organisations
- •Quasi-cash transactions (including but not limited to money orders, traveler's checks, gaming related transactions, lottery tickets and gambling)
- •Payments made to financial institutions, securities brokerages or dealers (including but not limited to trading of securities, investments or crypto-currencies)
- •Payments on money payments/transfers (including but not limited to Paypal, SKR skrill.com, CardUp, SmoovPay, iPayMy)
- •Payments to any professional services provider (including but not limited to GOOGLE Ads, Facebook Ads, Amazon Web Services)
- •Top-ups, money transfers or purchase of credits of prepaid cards, stored-value cards or e-wallets (including but not limited to EZ-Link, Transitlink, NETS Flashpay and Youtrip)
- •Payments in connection with any government institutions and/or services (including but not limited to court costs, fines, bail and bond payment)
- •Any AXS and ATM transactions
- •Tax payments (except HSBC Tax Payment Facility)
- •Payments for cleaning, maintenance and janitorial services (including property management fees)
- •Payments to insurance companies (including but not limited to sales, underwriting, premiums and insurance services)
- •Payments to educational institutions
- •Payments on utilities
- •Monthly instalment amounts under all card instalment plans (including HSBC 0% Card Instalment Payment Plan, HSBC PayLater Instalment Plan and HSBC Spend Instalment)
- •Total purchase amount under HSBC 0% Instalment Payment Plan and HSBC PayLater Instalment Plan
- •Balance transfers, fund transfers, cash advances, finance charges, late charges, HSBC's Cash Instalment Plan, any fees charged by HSBC
- •Any unposted, cancelled, disputed and refunded transactions
- •Hotel dining
The information above is a summary and may be incomplete or outdated. Always refer to HSBC's official terms and conditions for the authoritative version.
About the HSBC Live+ Card
The HSBC Live+ Card is a tiered cashback card from HSBC. Base-tier earning is 0.3% on every eligible dollar. At its top qualifying tier (S$600/mo+), the card reaches up to 5% on dining, 5% on shopping & entertainment, and 5% on petrol. Singapore cashback cards with spend tiers reward consistent monthly spending — falling short of a tier threshold drops earning back to the previous tier's rates for that statement cycle. The annual fee is S$196.20 (First year waived. From the second year onwards, annual fee is waived if you spend more than S$12,500 per year.). Terms and conditions apply.
Cashback breakdown
At the base tier, the HSBC Live+ Card earns 0.3% on every eligible dollar. From S$600/mo qualifying spend, the card earns 5% on dining, 5% on shopping & entertainment, and 5% on petrol. Total cashback is capped at S$250.00 per quarter, after which additional spend in the same calendar quarter earns nothing.
Where this card earns the most
The HSBC Live+ Card is built for consolidated monthly spend — its bonus rates only activate once qualifying spend crosses a tier threshold. At its peak tier (S$600/mo+), the calculator returns higher projected monthly cashback for dining, shopping & entertainment, and petrol spend than for cards without those bonuses. Below the lowest tier (S$600/mo), every eligible dollar earns the 0.3% base rate.
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Frequently asked questions
Is the HSBC Live+ Card worth it?
The HSBC Live+ Card earns 0.3% cashback on general spend and up to 5% on dining and 5% on shopping & online, with a S$196.20 annual fee (waived above S$12,500 a year in spend). Bonus rates require at least S$600 in monthly spend and total cashback is capped at S$250 per quarter. Its value depends on how much of your spending falls into those categories — project your cashback with the calculator above.
Who is the HSBC Live+ Card for?
The HSBC Live+ Card suits frequent diners, online shoppers, and streaming and entertainment subscribers — it earns up to 5% on dining, 5% on shopping & online, and 5% on shopping & entertainment. Spending spread across other categories may earn more on a different card.
How much cashback does the HSBC Live+ Card earn?
The HSBC Live+ Card has 2 earning tiers in total. At the base tier, every eligible dollar earns 0.3%. From S$600/mo qualifying spend, the card earns 5% on dining, 5% on shopping & entertainment, and 5% on petrol.
Is there a minimum monthly spend?
There's no single minimum spend — the HSBC Live+ Card upgrades its earning rates as your monthly spend crosses each tier threshold. At S$600/mo+ the card unlocks 5% on dining, 5% on shopping & entertainment, and 5% on petrol. Below the lowest tier, the card earns the base 0.3% rate.
What is the cashback cap?
Total cashback on the HSBC Live+ Card is capped at S$250.00 per calendar quarter. Once this quarterly cap is reached, additional eligible spend in the same quarter does not earn further cashback.
Can the annual fee be waived?
Yes. The S$196.20 annual fee is waived for cardholders who spend at least S$12,500.00 in a card year.
Are these rates guaranteed?
No. Banks update cashback rates, category caps, and minimum-spend requirements regularly. The numbers on this page reflect rates verified as of June 2026, not guarantees of future earnings. Terms and conditions apply.
Figures are estimates based on the spending you entered, assumed steady across the year, using standard Merchant Category Code (MCC) classifications and each issuer’s published rates. Monthly caps, annual fees and minimum-spend requirements are shown on every row and factored into the projections. Not modelled: promotional sign-up bonuses, merchant-specific exclusions, fee waivers beyond the first-year window shown, and future rate changes by issuers. First-year figures assume a new cardholder eligible for introductory rates; ongoing figures reflect post-introductory rates. Standard merchant coverage estimates are based on Singapore market share; you can adjust them in the settings above.
Actual earnings depend on your eligibility and each bank’s current terms, which may differ from the figures shown here — always verify with the issuer before applying.