HSBC Live+ Card cashback rates & bonus categories
Cashback is awarded by MCC code. The rates below depend on the merchant filing the right category code — verify any merchant in our MCC database.
| Category | Rate | Details |
|---|---|---|
| Dining | 5% (8% promo) | Dining in Singapore and across Asia — including takeaway — earns 5% base cash back, boosted to 8% during the first two quarters for new cards (3% additional cash back). |
| Shopping & entertainment | 5% (8% promo) | Retail shopping and entertainment spend, including streaming and movies, earn the same 5% base / 8% promo rate within the quarterly cap. |
| Petrol | 5% | Additional 5% cash back at Caltex and Shell stations in Singapore, stacking with station-side fuel discounts for up to ~17% upfront savings. |
Reward currency: Cash back. Source: HSBC Singapore official page (reviewed 22 September 2026).
HSBC Live+ Card: pros & cons
Pros
- Dining is a first-class bonus category — rare among cashback cards
- New-card 8% promo rate is one of the strongest in the market
- Petrol bonus at Caltex/Shell stacks with pump discounts
Cons
- Quarterly S$250 cap requires spreading bonus spend across quarters
- Promo quarter terms differ (S$1,000 first quarter vs S$600/month after) — easy to miss
Who the HSBC Live+ Card is good for
- Frequent diners and food delivery users
- Entertainment and streaming spenders
- Drivers who pump at Caltex or Shell
Frequently Asked Questions
What is the HSBC Live+ minimum spend?
Cards issued from 1 April to 30 June 2026 need S$1,000 of eligible spend in the first qualifying quarter, then S$600 per month in subsequent quarters to earn bonus cash back.
When does the HSBC Live+ 8% promo rate end?
The 3% additional cash back runs for the first two calendar quarters after card issuance. From the third quarter (1 October 2026 for those cohorts), the bonus rate reverts to 5%.
What is the cashback cap on HSBC Live+?
Total bonus cash back is capped at S$250 per calendar quarter across dining, shopping, entertainment and fuel.
Last reviewed: 22 September 2026 | Rates, caps and minimum spend may change. Always verify with CheckMCC and HSBC Singapore before applying.