HSBC Live+ Credit Card
Earn up to 5% cashback on dining, shopping, and entertainment, plus enjoy up to 15% off dining at 200+ restaurants across Asia.
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Eligibility
Minimum Monthly Income
RM 8,500 (RM 102,000 annually)
Min. Age
Cardholder: 21 years old
Supplementary Cardholder: 18 years old
Resident Status
Anybody
Documents required to apply
You will need to provide several documents such as (varies between different banks):
- A copy of your IC (both sides)
- Latest BE Form with official tax receipt
- Latest 3 months salary slip/commission statement
- Latest 3 months bank statement
- Latest EPF statement
Fees & Charges
Interest Rate
15% - 18%
Annual Fee
RM 0
Free*
Annual Fee Waiver
Yes
Free for the first year and waived on the subsequent years when you make an annual spending of RM24,000 and above (the annual spending is calculated as the total retail spend in the past 12 months' statement prior to the annual fee charge)
Late Payment Fee
RM 50 or 5% of the outstanding amount, whichever is higher
Interest Rate
15%
Features
Earn up to 5% cashback on dining, shopping, and entertainment when you hit the monthly spend criteria, capped at RM30 per category per statement month. On top of that, you'll get unlimited base cashback of 0.2% on other domestic spending and 0.5% on overseas spending.
Want that big-ticket item without the financial hit? Convert your purchase into zero-interest instalments for up to 36 months at participating merchants.
Managing existing credit card debt? Transfer your balance to HSBC at a low one-time upfront fee of 3.88% and pay it off over 12 months.
Get more out of your lifestyle spending with the HSBC Live+ Credit Card — enjoy exclusive Visa privileges, plus discounts at home and abroad through the HSBC Smart Privileges Programme. You'll also get up to 15% off at 200+ selected restaurants locally and across Asia via the Live+ Dining Programme. Terms apply.
Benefits
Free 24-hour loss reporting line
If you lost your credit card, don't hesitate to reach out to HSBC available for you 24/7
SecurePay
Secure transactions when making online purchases with a One-Time-Password (OTP) sent via SMS
Pin and Pay
For improved financial security and to prevent credit card fraud, a 6-digit Personal Identification Number (PIN) will be used for all credit card payments at point-of-sale terminals in Malaysia. Additionally, new credit cards have the contactless Paywave feature, which allows a fast, easy and convenient way to pay.
Email statements
Timely delivery of statements securely and privately so enjoy no lost or misplaced statements. Join HSBC's Go Green Initiative - advocating a paperless environment, and reducing global carbon footprint.
Cash Advance
Flexibility for emergency use or when a credit card payment is not acceptable. No documents are required and enjoy 24-hour instant cash withdrawal from any ATMs worldwide.
Balance Transfer
Consolidate your other credit card outstanding balances and enjoy a low 3.88% one-time upfront handling fee for 12 months.
Card Instalment Plan
Convert your dream item purchase into flexible zero-interest instalments for up to 36 months!
Cash Instalment Plan
Convert available credit limit into cash and enjoy interests as low as 3.88% p.a. and 4.88% p.a. for new-to-card and existing-to-card customers respectively, for up to 12 months of repayment period.
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Up to 5% cashback on lifestyle spending
Introducing the brand-new HSBC Live+ Credit Card that rewards up to 5% cashback when you hit the eligible monthly spending criteria on selected lifestyle spending categories such as dining, shopping and entertainment, capped at RM30 per statement month on each category.
Additionally, you earn an unlimited 0.2% and 0.5% cashback on other eligible domestic and overseas spending (no spending amount limit). Below is the breakdown of the cashback.
| Monthly Eligible Spend | Dining | Shopping | Entertainment | Other Domestic Spending (No minimum spend) | Other Overseas Spending (No minimum spend) |
| Cashback Type | Bonus Cashback | Bonus Cashback | Bonus Cashback | Base Cashback | Base Cashback |
| Minimum Spend RM1,000 | 1% | 1% | 1% | 0.2% | 0.5% |
| Minimum Spend RM2,500 | 1% | 1% | 1% | 0.2% | 0.5% |
| Minimum Spend RM5,000 | 5%* | 5%* | 5%* | 0.2% | 0.5% |
| Monthly Capping | RM30 | RM30 | RM30 | Unlimited | Unlimited |
*Note: The Base Cashback forms part of the Bonus Cashback.
Keep enjoying 3% bonus cashback on your Dining, Entertainment, and Shopping! If you apply for a new HSBC Live+ Credit Card and get approved between 1 April and 31 July 2025, you can still get an additional 3% bonus cashback on these categories until your September 2025 statement cycle. (A minimum spend of RM5,000 applies. Please note that the previous HSBC's 3% bonus cashback offer ended on June 30, 2025.)
Special lifestyle perks
Further adding to the cashback perks, you can also enjoy up to a 15% discount on dining at over 200 selected restaurants locally and across Asia via the well-chosen Live+ Dining Programme with terms applied.
HSBC credit features
As an HSBC credit card holder, you are also entitled to enjoy a few credit features such as the HSBC Card Instalment Plan, HSBC Cash Instalment Plan, and HSBC Balance Transfer Instalment etc.
HSBC Card Instalment Plan
Have your eyes on that brand-new LED TV? Or fancy upgrading to a new sofa? With this instalment plan, you can stretch the payment for up to 36 months at 0% interest.
HSBC Cash Instalment Plan
In need of emergency cash? You have the flexibility to borrow and withdraw for up to 60% of your credit limit with 3.88% p.a. interest (for new-to-card customers) and 4.88% p.a. interest (for existing-to-card customers) for 12 months with this plan.
HSBC Balance Transfer Instalment
If you have multiple credit cards with outstanding balances from other banks, you can transfer them to this plan via a new HSBC credit card and enjoy a low 3.88% one-time upfront handling fee and a longer repayment period of 12 months.
What are the eligibility criteria to apply for the HSBC Live+ Credit Card?
Anyone aged 21 years and over is eligible to apply as the principal cardholder. You also must earn a minimum annual income of RM102,000 to apply for the HSBC Live+ Credit Card.
Frequently Asked Questions (FAQ)
What are the main benefits of HSBC Live+ Credit Card?
• Unlimited 0.5% cashback monthly on other eligible overseas spending
• Unlimited 0.2% cashback monthly on other eligible domestic spending
• Cashback is capped at RM30 per category per statement month
• Exclusive perks from Visa for your lifestyle spending, and discounts plus offers via the HSBC Smart Privileges Programme
• Up to 15% discount on dining at over 200 selected restaurants locally and across Asia via the Live+ Dining Programme
What is the annual fee for this HSBC Live+ Credit Card?
Exclusively for the HSBC Live+ Credit Card applied from 1 August 2024 until 31 December 2025, you can combine the minimum RM24,000 annual spend requirement with your primary/principal card and supplementary card spending. Below is the list of eligible retail spend:
• Local/overseas transactions
• Full amount of any HSBC Card Instalment Plan
• Online transactions
• Standing instructions/auto bills
• Insurance, education, utilities, e-wallet top-ups, dining, shopping and entertainment
Non-retail spending that is not eligible for the annual fee waiver includes:
• Sales and Services Tax (SST)
• Fees/interest charges
• Monthly instalment amounts such as IPP, CIP and BCP