HSBC Live+ Credit Card
HSBC consumer credit card. Compare cashback eligibility, annual fees and the conditions used by the calculator.
Bank documents checked · Terms last checked: 2026-11-10
Calculate this cardSalary and spending requirements
- Minimum monthly income
- RM8,500.00
- Minimum annual income
- RM102,000.00
- Qualifying spend
- RM1,000 / RM2,500 / RM5,000 monthly spend
- Minimum principal age
- 21
Annual fee and SST
- Published annual fee
- RM300.00
- Fee waiver
- RM24,000 annual retail spend waiver restricted to cards applied for 1 Aug 2024–31 Dec 2025. New 2026 application waiver not established; RM300 charged.
- SST
- RM25 per physical card per year. Multi-card packages can cost more.
Annual net cashback is the year's eligible cashback minus the annual fee and SST. The calculator applies fee-waiver conditions to your scenario; the published fee above is not necessarily the fee you will pay.
Conditions to check
- Uploaded official product page footnote confirms RM24,000 annual-spend fee waiver ONLY for primary cards applied for between 1 August 2024 and 31 December 2025. The simulator treats a new 2026 applicant conservatively and charges RM300; eligible older holders may use the fee-waiver control.
Listed cashback rates
A summary of published rates, not an offer. Bank terms and the conditions above take priority. A threshold can refer to total spend, a statement balance or an individual transaction.
| Category | Listed rate | Listed qualifying basis | Listed monthly cap |
|---|---|---|---|
| Dining (Tier 1/Bonus Cashback) | 1% | RM1,000.00+ | RM30.00 |
| Dining (Tier 2/Bonus Cashback) | 2% | RM2,500.00+ | RM30.00 |
| Dining (Tier 3/Bonus Cashback) | 5% | RM5,000.00+ | RM30.00 |
| Shopping (Tier 1/Bonus Cashback) | 1% | RM1,000.00+ | RM30.00 |
| Shopping (Tier 2/Bonus Cashback) | 2% | RM2,500.00+ | RM30.00 |
| Shopping (Tier 3/Bonus Cashback) | 5% | RM5,000.00+ | RM30.00 |
| Entertainment (Tier 1/Bonus Cashback) | 1% | RM1,000.00+ | RM30.00 |
| Entertainment (Tier 2/Bonus Cashback) | 2% | RM2,500.00+ | RM30.00 |
| Entertainment (Tier 3/Bonus Cashback) | 5% | RM5,000.00+ | RM30.00 |
| Other Domestic Spend (Base Cashback) | 0.2% | RM0.00+ | Not specified / uncapped in listing |
| Other Overseas Spend (Base Cashback) | 0.5% | RM0.00+ | Not specified / uncapped in listing |
Sources
Terms can change after the check date. Confirm current terms with the issuer. This page does not include a welcome-gift valuation or guarantee bank approval.