SwipeYield Review
A powerhouse cashback card that provides substantial value-back on everyday urban lifestyle and grocery spending.
CashbackDiningGroceryLifestyle
HSBC Live+ Credit Card
By HSBC India
4.5SwipeYield Rating
Joining Fee₹999 + GST
Annual Fee₹999 + GST
Fee Waiver:
Waived on annual spends exceeding ₹2 Lakh
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Reward TypeCashback
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NetworkVisa
Rewards
Base
1.5% Unlimited Cashback on eligible general spends
Accelerated
10% Cashback on Dining, Food Delivery, and Groceries (Capped at ₹1,000 per month)
Lounge Access
4 complimentary domestic lounge visits per year (limited to 1 visit per quarter)
Pros
- Market-leading 10% cashback on daily essentials
- 1.5% base rate is highly competitive
Cons
- Monthly cap on accelerated rewards is relatively low
- Restricted lounge access frequency
Eligibility
- Age 18-65
- Salaried: ₹6L annual income
- Self-employed: ₹12L annual income