HSBC Live+ Credit Card
A cashback credit card by HSBC with 6% on dining and 2% on groceries, capped at AED 200 monthly per category.
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 AED 10,000 monthly, mostly on dining and groceries.
Not ideal if
You spend heavily on travel, international purchases, or categories outside dining and groceries.
Watch out for
AED 200 monthly cap per category limits total cashback for high spenders.
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, capped at AED 200 per month.
2% cashback on groceries, capped at AED 200 per month.
Annual fee waived with AED 12,000 annual spend.
Includes Careem Plus, Zomato benefits, cinema offers, and lounge access.
Watch out for
AED 200 monthly cap per category limits earnings for high spenders.
3.15% foreign exchange markup makes international spending costly.
Only 0.5% cashback on all other spend outside dining and groceries.
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 per year. Most users will easily meet this threshold and avoid the fee.
What is the cashback cap on dining and groceries?
Both dining and groceries are capped at AED 200 cashback per month per category. To maximize dining cashback, spend up to AED 3,333 monthly; for groceries, up to AED 10,000 monthly.
Can I use this card abroad?
Yes, but the 3.15% foreign exchange markup makes international transactions expensive. You'll earn only 0.5% cashback on non-dining, non-grocery spend, so the net return is negative abroad.
What perks come with the HSBC Live+ Credit Card?
You get Careem Plus membership, Zomato benefits, buy-one-get-one cinema offers, and lounge access. These perks add lifestyle value if you use them regularly.
What is the minimum salary to apply?
The minimum salary requirement is AED 5,000 per month.