HSBC Live+ Credit Card
Earn 5% on eligible dining, shopping and entertainment after S$600 spending in each calendar month of the qualifying quarter. Cashback in these categories is capped at S$250 per quarter.
Benefits & important limits
- Earn 5% on eligible dining, shopping and entertainment after S$600 spending in each calendar month of the qualifying quarter. Cashback in these categories is capped at S$250 per quarter.
- For cards issued from 1 April 2025 to 31 March 2027, a temporary extra 3% lifts these categories to 8% for the first two calendar quarters. First-quarter qualifying spend is S$1,000 in total; later quarters require S$600 each month.
- Eligible petrol earns 5%, while other qualifying spending earns 0.3%. Category exclusions and quarterly qualification apply; the welcome 8% is not a permanent flat rate.
Fees & repayments
- Principal annual fee (GST included)
- S$196.20
- Fee waiver
- First year waived; subsequent waiver with more than S$12,500 annual spending.
Interest, late-payment and cash-advance fees are separate from annual fees. Check the current tariff before carrying a balance.
Eligibility & work passes
New customers and existing customers with total relationship balance below S$50,000 need S$65,000 yearly income. Existing customers with at least S$50,000 TRB: local salaried S$30,000; local self-employed / commission earners S$40,000. Foreign applicants need S$65,000 in either case. HSBC names EP and S Pass in its documents; passport / pass validity and income documents are required.
Principal age: 21+
Application documents ↗Overseas & FX fees
Foreign-currency purchases attract up to 3.25% in conversion and administrative fees. Rewards do not cancel these charges; overseas SGD and DCC transactions follow separate rules.
Pay in the merchant’s local currency when comparing network conversion. Dynamic Currency Conversion (DCC) uses the merchant’s rate; 0% issuer fees do not promise the interbank rate or remove merchant mark-ups, cash-advance charges or ATM fees.