HSBC

HSBC Live+ Credit Card

Cashback1st year fee waived

How it earns

5% on dining (incl. delivery), shopping and entertainment if you spend S$600+ in EACH month of the quarter
0.3% on everything else
Cashback capped at S$250 a quarter

What it earns on typical spending

Spending profile	Earns a year	Net of fee	Rank
Everyday S$2,000/mo	S$547	S$351	7 of 27
Eats out a lot S$2,050/mo	S$803	S$607	5 of 27
Frequent traveller S$3,570/mo	S$575	S$379	23 of 27
Family with a car S$3,050/mo	S$695	S$499	9 of 27

Ranked against all 27 cards we track, miles valued at 1.5¢, annual fee counted. Click a profile to open it in the finder.

See what it earns on your spending

Key facts

Type	Cashback card · Visa
Annual fee	S$196.20 incl. GST
Fee waiver	First year waived; then waived with S$12,500 annual spend.
Minimum income	S$65,000 (citizens & PRs) · S$65,000 (foreigners)
Rewards currency	SGD cashback
How points are counted	Rounded up to the cent
Expiry	—
Foreign-currency fee	Not stated for this card

Good to know

New cardholders get an extra 3% for their first two quarters; not counted here.
S$65,000 income applies to new HSBC customers.

Common questions

What is the annual fee on the HSBC Live+?

S$196.20 a year including GST, waived for the first year. First year waived; then waived with S$12,500 annual spend.

What income do I need for the HSBC Live+?

S$65,000 (citizens & PRs) · S$65,000 (foreigners).

How much will I earn with the HSBC Live+?

On a typical S$2,000 a month of everyday spending, about S$547 cashback a year, or S$351 after the annual fee. That ranks it 7 of 27 cards we track. Your own spending can change this a lot.

What is the foreign-currency fee on the HSBC Live+?

The issuer does not state a card-specific figure; see our foreign-currency fee guide for the bank-wide rate.

Sources

Checked against the issuer's own pages on 27 Oct 2026:

Terms change often. Always confirm rates, caps and fees on HSBC's own page before applying. Found something out of date? Tell us.