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If you spend regularly on 🍽 dining, 🛒 groceries, 🍔 food delivery & 💡 utilities, the HSBC Live+ is worth checking out!

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🛒 Grocery & supermarkets
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That’s up to ₹1,200 cashback/month or ₹14,400/year from these categories alone! 🔥

💳 Annual Fee: ₹999 + GST (₹1,180)
🎯 Fee Waiver: Spend ₹2 lakh/year

✨ Other Benefits:
• Unlimited 1.5% cashback on other eligible spends
• ✈️ 2 domestic airport lounge visits/year — no spend requirement
• 🌍 1 international lounge visit/year
• 🎬 BOGO movie tickets up to ₹200/month via District
• 🛍 Discounts on AJIO, Flipkart, Amazon & more
• 🍴 Visa Infinite & HSBC dining privileges

🎁 Welcome Benefits:
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• ₹1,000 welcome bonus on spending ₹25,000 in first 30 days
• ₹250 Amazon eGift voucher for online application
• ₹200 Starbucks benefit
• 👥 Up to 3 add-on cards, with eligible cards potentially earning an additional ₹750 Visa Rewards Voucher each, subject to T&Cs

📊 Why it can be valuable:
If you use the full ₹12,000/month 10% cashback limit, you can earn ₹14,400/year in cashback.

Even after the ₹1,180 annual fee:
👉 ₹1.44L eligible annual spend → ~9.1% effective cashback
👉 ₹70K eligible annual spend → ~8.5% effective cashback

And if you're already spending ₹1.44L/year, you only need another ₹56,000 annual spend to hit the ₹2L fee-waiver target. 💡

🔥 Overall: If a large part of your monthly spending is on dining, groceries, food delivery and utilities, HSBC Live+ can offer excellent value.

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