HSBC Live+ Credit Card
A cashback credit card by HSBC with 6% on dining and 2% on groceries, both capped at AED 200 monthly.
AED 313.95
6% dining
AED 5,000
3.15%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend AED 5,000 to 10,000 monthly, mostly on dining and groceries.
Not ideal if
You spend heavily on travel or categories outside dining and groceries.
Watch out for
AED 200 monthly cap per category limits dining and grocery cashback significantly.
Calculate This Card’s Value
Earning Rates
6%
Cap: Up to AED 200/mo
2%
Cap: Up to AED 200/mo
0.5%
Perks
Key Strengths and Weaknesses
Strengths
6% cashback on dining is among the highest rates available.
2% cashback on groceries with a separate AED 200 monthly cap.
Annual fee waived with just AED 12,000 yearly spend.
Includes Careem Plus, Zomato perks, cinema BOGO, and lounge access.
Watch out for
AED 200 monthly cap per category limits high spenders significantly.
Only 0.5% cashback on all spending outside dining and groceries.
3.15% foreign exchange markup makes international use expensive.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 313.95 annual fee is waived if you spend at least AED 12,000 per year, which is only AED 1,000 monthly. This threshold is very achievable, so most cardholders will pay no fee.
What is the cashback cap on dining and groceries?
Both dining and groceries have separate AED 200 monthly caps. You'll reach the dining cap after spending AED 3,333 on dining, and the grocery cap after AED 10,000 on groceries each month.
Can I use this card abroad?
Yes, but the 3.15% foreign exchange markup makes it expensive for international purchases. You'll also earn only 0.5% cashback on foreign spend, so it's not ideal for travel.
What perks come with the HSBC Live+ Credit Card?
The card includes Careem Plus membership, Zomato benefits, buy-one-get-one cinema offers, and lounge access. These perks add lifestyle value beyond the cashback earning.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 5,000 to be eligible for the HSBC Live+ Credit Card.