Visa · Conventional
HSBC · MALAYSIA
HSBC Live+ Credit Card
Min. annual incomeRM102,000RM8,500 / month equivalent
Principal annual feeRM300
Card networkVisaConventional card
Apple PaySupported
Google PaySupported
THE DETAILS
Benefit breakdown
Cashback tiers
| Monthly qualifying spend | Dining | Shopping | Entertainment |
|---|---|---|---|
| RM1,000–RM2,499 | 1% | 1% | 1% |
| RM2,500–RM4,999 | 2% | 2% | 2% |
| RM5,000 and above | 5% | 5% | 5% |
Each category is capped at RM30 monthly. These are total category rates, not an extra amount on top of base cashback. The additional 3% acquisition offer ended in 2025.
Other cashback
| Eligible spending | Rate | Cap |
|---|---|---|
| Other domestic retail | 0.2% | Uncapped on this rate |
| Overseas retail | 0.5% | Uncapped on this rate |
Fees & charges
- Principal annual fee
- RM300
- Supplementary annual fee
- RM150; applicable first-year / subsequent waiver conditions remain separate.
- Annual-fee waiver
- First year waived; subsequent waiver at RM24,000 qualifying annual retail spend. Applies to current new-card rules.
- Retail interest / effective profit rate
- 15% / 17% / 18% p.a., based on prompt-payment history.
- Cash advance interest / profit
- 18% p.a., normally calculated daily without a retail grace period.
- Service tax
- RM25 for each principal / supplementary card; an annual-fee waiver does not waive this tax.
- Cash advance fee
- RM8.70 per transaction, plus applicable tax.
- Minimum monthly payment
- 5% of current balance plus full monthly card-plan instalments and any unpaid prior minimum, or RM50, whichever is higher.
- Late payment
- Higher of RM10 or 1% of outstanding balance, capped at RM100.
- Foreign currency conversion
- Visa / Mastercard conversion rate plus 1% bank conversion cost and applicable network transaction fees.
- Replacement card
- RM50
- Retail grace period
- At least 20 days when the prior statement is settled in full and the applicable no-cash-outstanding conditions are met.
Requirements
- Minimum annual income
- RM102,000
- Principal age
- At least 21 years
- Supplementary age
- At least 18 years
- Application conditions
- Published income threshold; residency, income documents and bank credit assessment also apply.
Payment plans
Instalment services
| Service | How it works |
|---|---|
| Card Instalment Plan | 0% offers at participating merchants; qualifying purchases and available tenures apply. |
| Balance conversion / transfer | Separate application and approved repayment quote required; not assumed to be interest-free. |
Product features
- Income documents
- NRIC / passport and accepted income evidence such as payslips, EPF, tax assessment and supporting bank statements. Self-employed applicants also need business registration and business statements. Foreign applicants must satisfy the bank’s work-permit / residency requirements.
Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.