HSBC Live+ Credit Card
HSBC Singapore · VISA
The HSBC Live+ Credit Card is a credit card from HSBC Singapore on the Visa network. It has an annual fee of S$196.20. It earns up to 8% on dining & restaurants, up to 8% on shopping, up to 8% on entertainment. The welcome offer is A Samsonite VOYA Spinner 68cm Exp (worth S$680) or S$200 cashback for S$500 spent, and S$100 more for another S$500, for new HSBC cardholders who give marketing consent and spend by the end of the month after the card opens; existing cardholders get S$50 (offer ends 31 December 2026).
Key facts
- Annual fee
- S$196.20
- Purchase APR
- 27.8% p.a.
- Foreign transaction fee
- Up to 3.25% (2.25% HSBC + up to 1% Visa/Mastercard)
- Network
- VISA
- Welcome offer
- A Samsonite VOYA Spinner 68cm Exp (worth S$680) or S$200 cashback for S$500 spent, and S$100 more for another S$500, for new HSBC cardholders who give marketing consent and spend by the end of the month after the card opens; existing cardholders get S$50 (offer ends 31 December 2026)
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Dining & restaurants | up to 8% | Dining, with at least S$600 spent a month in the quarter |
| Shopping | up to 8% | Shopping, with at least S$600 spent a month in the quarter |
| Entertainment | up to 8% | Cinemas and streaming subscriptions, with at least S$600 spent a month in the quarter |
| Everything else | 0.30% | All other eligible purchases |
Benefits and perks
- First-year annual fee waived.
- Annual fee waived from the second year with more than S$12,500 spent in the year.
- New cardholders: 8% (5% base plus 3% extra) on dining, shopping and entertainment for the first quarters.
- Up to 17% fuel savings plus 5% cashback at Caltex and Shell.
Questions about the HSBC Live+ Credit Card
What is the annual fee on the HSBC Live+ Credit Card?
The HSBC Live+ Credit Card has an annual fee of S$196.20.
What rewards does the HSBC Live+ Credit Card earn?
The HSBC Live+ Credit Card earns up to 8% on dining & restaurants, up to 8% on shopping, up to 8% on entertainment, 0.30% on everything else.
Is the HSBC Live+ Credit Card worth it?
The HSBC Live+ Credit Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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