# HSBC Live+ Credit Card Gets a Major Upgrade: Moves to Visa Infinite, 10% Cashback Cap Raised to ₹1,200

> HSBC is upgrading the Live+ Credit Card to Visa Infinite from 26 July 2026, adding 10% cashback on shopping and utilities with a higher ₹1,200 monthly cap.

- Source: https://www.creditkeeda.com/news/hsbc-live-credit-card-visa-infinite-upgrade-july-2026
- Publisher: Creditkeeda
- Section: News
- Author: Creditkeeda
- Published: 2026-07-03
- Last updated: 2026-07-03
- Tags: hsbc, live-plus, visa-infinite, credit-cards, cashback, banking

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HSBC is upgrading the **Live+ Credit Card** from the **Visa Signature** platform to **Visa Infinite**, effective **26 July 2026**.

The upgrade brings meaningful improvements to one of the card's biggest selling points: its **10% cashback** benefit. In addition to dining, food delivery and groceries, cardholders will now earn 10% cashback on **shopping** and **utility bill payments** as well. At the same time, the monthly cashback cap is being increased from **₹1,000 to ₹1,200**.

Beyond cashback, the card also gains new travel and lifestyle benefits, including **complimentary international lounge access**, **fuel cashback**, and additional **Visa Infinite privileges**.

[Apply for HSBC Live+ Card](https://www.accountopening.hsbc.co.in/credit-cards/#!/app/apply-for-credit-card?form.campaign_id=MMM6_EARNTRA_966445&form.source=MMMENT&WT.ac=NA&gclid=NA&card=cbc&cid=INM:MP:D0:CC:05:2211:039:MMM6MyMoneyMantra_CBC)

Explore cashback and travel benefits.

## What's Changing?

| Feature | Earlier (Visa Signature) | From 26 July 2026 (Visa Infinite) |
| --- | --- | --- |
| **10% cashback categories** | Dining, food delivery, groceries | Dining, food delivery, groceries, shopping, utility bills |
| **Monthly cashback cap** | ₹1,000 | ₹1,200 |
| **Shopping & utility spends** | 1.5% cashback | 10% cashback (within the ₹1,200 monthly cap) |
| **Amazon, Flipkart & Myntra** | 1.5% cashback | 1.5% cashback (unchanged) |
| **Domestic lounge access** | 4 visits per year | 4 visits per year (unchanged) |
| **International lounge access** | Not available | 1 visit per year |
| **Fuel benefit** | None | ₹250 cashback per quarter on eligible fuel spends |

## 10% Cashback Now Covers Shopping and Utility Bills

Until now, the Live+ Credit Card offered **10% cashback** only on dining, food delivery and grocery purchases, with all other eligible spends earning **1.5% unlimited cashback**.

From **26 July 2026**, **shopping** and **utility bill payments** will also qualify for the 10% cashback category. The accelerated cashback across all five categories will be subject to a **combined monthly cap of ₹1,200**.

> One important point remains unchanged: purchases made on **Amazon, Flipkart and Myntra** will continue to earn **1.5% cashback** and will not be eligible for the 10% cashback rate.

## New Travel Benefits

With the move to Visa Infinite, HSBC is also enhancing the card's travel benefits.

Cardholders will now receive:

- **1 complimentary international airport lounge visit per year**
- **4 complimentary domestic lounge visits per year** (one per quarter, unchanged)

In addition, Visa Infinite cardholders will have access to benefits such as:

- Airport Meet & Assist services
- Complimentary stays at select ITC Hotels
- Offers on Avis car rentals

## Quarterly Fuel Cashback Introduced

HSBC has also added a new fuel benefit.

Cardholders who spend **₹10,000 or more on contactless fuel transactions** during a calendar quarter will receive **₹250 cashback** for that quarter. This benefit was not available on the previous Visa Signature version of the card.

## Why This Upgrade Matters

At a time when many credit card issuers have reduced rewards through lower caps, tighter spending limits and devaluations, HSBC has taken the opposite approach with the Live+ Credit Card.

The expansion of the 10% cashback categories, a higher monthly cashback cap, and the addition of travel benefits make the card more versatile than before. Instead of being primarily a dining and grocery cashback card, Live+ now offers stronger value across everyday spending categories while also improving its travel proposition.

## Fees and Availability

HSBC has not announced any changes to the card's fee structure.

The **HSBC Live+ Credit Card** continues to carry a **₹999 + GST** joining and annual fee, which is waived on annual spends of **₹2,00,000**.

HSBC's retail banking and credit card services are available only in select cities across India. Prospective applicants should check service availability before applying, while existing cardholders can expect further communication from HSBC before the upgrade takes effect on **26 July 2026**.

[Apply Now](https://www.accountopening.hsbc.co.in/credit-cards/#!/app/apply-for-credit-card?form.campaign_id=MMM6_EARNTRA_966445&form.source=MMMENT&WT.ac=NA&gclid=NA&card=cbc&cid=INM:MP:D0:CC:05:2211:039:MMM6MyMoneyMantra_CBC)

Enjoy 10% cashback on eligible spends.