HSBC Live+ Credit Card

Dine, shop and have fun with the HSBC Live+ Credit Card that rewards you with up to 8% cashback! Enjoy flexible instalments and other lifestyle perks.

HSBC Live+ Credit CardUp to 8% cashback!
Min. Income
RM5,000/month
Annual Fee
Free*
Cashback
up to 8%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

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Cashback

Earn up to 8% cashback on dining, shopping and entertainment spend categories, subject to meeting monthly eligible spend criteria, capped at RM30 per spend category per statement month. Other domestic and overseas spending earns you 0.2% and 0.5% unlimited cashback respectively (i.e. base cashback). Please note that the 8% cashback is a promotional offer - the card offers 5% cashback and 3% additional cashback on dining, shopping and entertainment categories, until 31 December 2024 (subject to further extension, if any).

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
Dining (Tier 1/Bonus Cashback)1%RM30from RM1,000 or above monthly
Dining (Tier 2/Bonus Cashback)2%RM30from RM2,500 or above monthly
Dining (Tier 3/Bonus Cashback)8%RM30from RM5,000 or above monthly
Shopping (Tier 1/Bonus Cashback)1%RM30from RM1,000 or above monthly
Shopping (Tier 2/Bonus Cashback)2%RM30from RM2,500 or above monthly
Shopping (Tier 3/Bonus Cashback)8%RM30from RM5,000 or above monthly
Entertainment (Tier 1/Bonus Cashback)1%RM30from RM1,000 or above monthly
Entertainment (Tier 2/Bonus Cashback)2%RM30from RM2,500 or above monthly
Entertainment (Tier 3/Bonus Cashback)8%RM30from RM5,000 or above monthly
Other Domestic Spend (Base Cashback)0.2%uncappedany amount monthly
Other Overseas Spend (Base Cashback)0.5%uncappedany amount monthly

Premium

Get the most out of your lifestyle spending with the HSBC Live+ Credit Card and enjoy exclusive privileges from Visa, plus discounts and offers at home and abroad with the HSBC Smart Privileges Programme. Moreover, enjoy up to 15% discount at over 200 selected restaurants locally and across Asia with the curated Live+ Dining Programme, including RM10 off at any GSC Cinema outlet every Saturday and Sunday, valid until 31 July 2025. Terms apply to all!

Balance Transfer

Start managing your credit card debt with the HSBC Balance Transfer Instalment program for 12 months with a low 3.88% one-time upfront fee.

Pay OverWith Interest Rate AtWhen You Transfer
12 months0% p.a. and 3.88%one-time upfront handling feefrom RM1,000
Learn more about HSBC Balance Transfer Instalment

Easy Payment Plans

Keeping tabs on that dream item? Convert it and enjoy zero interest rates on tenure as long as 36 months with participating merchants.

HSBC Card Instalment Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months0% p.a. and no one-time upfront handling feeRM500
12 months0% p.a. and no one-time upfront handling feeRM1,000
18 months0% p.a. and no one-time upfront handling feeRM1,500
24 months0% p.a. and no one-time upfront handling feeRM2,000
36 months0% p.a. and no one-time upfront handling feeRM2,000
Learn more about HSBC Card Instalment Plan

Fees & Charges

Annual Fee
  • RM300 primary card

    Free for the first year

  • RM150 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Contact-less Payment Methods
Visa payWave

Requirements

Minimum Annual Income
RM60,000
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

Easy Payment Plan
HSBC Card Instalment Plan
Enjoy a 0% interest rate on tenure as long as 36 months at zero fees. Never have to worry about money when you can convert it HSBC Card Instalment Plan.
Balance Transfer Plans
HSBC Balance Transfer Instalment
Enjoy a low 3.88% one-time upfront payment fee and have the flexibility to stretch your payment over a 12-month tenure. Get back in control of your finances!

Review

Our everyday expenses are increasing year by year and what better way to maximise it than earning cashback for every Ringgit you spend?

A cashback credit card is by far one of the Malaysians' favourites and HSBC intends to step up its game with their brand-new Live+ Credit Card, designed for you to get the most out of your life with every spending you make.

What do I get from the HSBC Live+ Credit Card?

This credit card gives you cashback of up to 8% when you spend on selected categories namely dining (locally/overseas), shopping (locally/overseas, including online), entertainment (including digital subscriptions), as well as other eligible domestic and overseas spending.

Here’s the breakdown of the cashback mechanic:

Monthly Eligible Spend (Per statement month)DiningShoppingEntertainmentOther Domestic Spend (No minimum spend)Other Overseas Spend (No minimum spend)
Cashback TypeBonus CashbackBonus CashbackBonus CashbackBase CashbackBase Cashback
Minimum Spend RM1,0001%1%1%0.2%0.5%
Minimum Spend RM2,5002%2%2%0.2%0.5%
Minimum Spend RM5,000 and above8%*8%*8%*0.2%0.5%
Monthly CappingRM30RM30RM30UnlimitedUnlimited

Note: The Base Cashback forms part of the Bonus Cashback

Overall, the HSBC Live+ Credit Card adopts a tiered monthly spending structure so essentially—the more you spend, the higher the chance to unlock the 8% cashback tier. Following that, each bonus cashback on each category is capped at RM30 monthly except for the other domestic and overseas spending categories, which are unlimited.

Referencing the T&C, we’d like to highlight that the 8% cashback is a promotional offer. It consists of 5% cashback and an additional 3% cashback on the spending categories (dining, shopping and entertainment), made available until 31 December 2024—this means that the latter additional cashback won’t be available starting 1 January 2025 although it is subject to possible extension set by HSBC.

Lifestyle perks you don’t want to miss out!

Elaborating on the cashback above, here’s how you can maximise the benefits and get the most out of your spending:

  • Dining: Apart from the up to 8% cashback, cardholders of an HSBC Live+ Credit Card can also enjoy up to 15% discount at over 200 selected restaurants locally and across Asia (Singapore, Taiwan, Indonesia, etc.) through the Live+ Dining Programme! Check out the offers here.
  • Shopping: This cashback category includes transactions made in department stores, clothing stores, sporting goods stores and luggage stores that are registered under the Shopping Merchant Category Codes (MCCs). Online shopping is also included for cashback, given that the online stores’ MCC falls under Shopping. Check out the T&C here for more details.
  • Entertainment: This cashback category includes transactions made in record stores, cinemas, digital subscriptions or cable and satellites, and TV plus radio services as listed under the Entertainment MCCs. Find more details here. Additionally, enjoy RM10 off at any GSC Cinema outlet every weekend, from now until 31 July 2025 with terms applied.

Flexible credit lines for your shopping convenience

  • HSBC 0% Card Instalment Plan

Enjoy a 0% Card Instalment Plan to split your big-ticket item purchases for up to 36 months. Click here to see the participating merchants.

  • HSBC Balance Conversion Plan

Other than the instalment plan above, you can otherwise convert your retail purchases into flexible and affordable monthly instalments at a preferential rate as low as 1.88% upfront for 6 months. Find out more details on this page.

Am I eligible to apply for the HSBC Live+ Credit Card?

Anyone aged 21 years and over who is earning an annual income of at least RM60,000 (RM5,000 monthly) is eligible to apply as a Primary cardholder for this Live+ Credit Card. If you wish to apply for a supplementary card, the cardholder must be at least 18 years of age to be eligible.

As for the annual fee, it is free for the first year and for the subsequent year onwards, the annual fee for the primary/principal card is RM300 and RM150 for the supplementary card.

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