HSBC Live+ Credit Card
Up to 5% cashback on dining, shopping & entertainment (capped RM30/category, max RM90/mo)
Apply for HSBC Live+ Credit Card →Last updated 6 November 2026 · Reviewed by Raymond, Rates.my
HSBC Live+ Credit Card overview
The HSBC Malaysia HSBC Live+ Credit Card is a Card-tier Visa cashback card built around cashback. Up to 5% cashback on dining, shopping & entertainment (capped RM30/category, max RM90/mo). It best suits high-income earners, with a minimum income requirement of RM102,000 a year. It has an annual fee of RM300 (rm300 p.a. (rm150 supplementary); waiver conditions per hsbc's fee-waiver pdf).
Features & benefits
- ✓Up to 5% cashback on dining, shopping & entertainment (capped RM30/category, max RM90/mo)
- ✓0.2% base cashback on other local spend · 0.5% overseas (unlimited)
- ✓Discounts at 900+ dining partners across Asia via HSBC Live+
- ✓5% bonus tier needs RM5,000/mo eligible spend (2% at RM2,500, 1% at RM1,000)
- ✓Annual fee RM300 (RM150 supplementary) per HSBC's Product Disclosure Sheet
Is the HSBC Live+ Credit Card worth it?
The HSBC Live+ Credit Card is best suited to high-income earners — its minimum income requirement is RM102,000 a year (about RM8,500 a month). As a cashback card, it works best for everyday spenders who want straightforward rebates on categories like petrol, groceries and dining.
- +Annual fee waivable (rm300 p.a. (rm150 supplementary); waiver conditions per hsbc's fee-waiver pdf)
- +Up to 5% cashback on best dining cashback
- −RM300 annual fee unless the waiver condition is met
- −Cashback capped at RM30 a month
- −Top cashback applies only to specific categories (best dining cashback)
- −Higher income requirement — RM102k a year
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
Cashback at a glance
Rewards everyday spending, up to RM30/month. The maximum is the published monthly cap; actual cashback depends on the exact eligible categories, exclusions and minimum-spend terms — confirm the fine print below before you apply.
Eligibility & how to apply
Requirements are general guidance — HSBC Malaysia sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
The catches most people miss on the HSBC Live+ Credit Card, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- No cashback on bank fees and charges (late payment, annual fee, cash advance), government taxes, instalment plans (Card/Cash Instalment, Balance Transfer, Balance Conversion) and other non-retail transactions — these also don't count toward the bonus-cashback spend requirement.
- Min spend to earn
- None for the base 0.2% domestic / 0.5% overseas cashback. The bonus on dining, entertainment and shopping is tiered by monthly eligible spend (official page, 1 Oct 2026): 1% from RM1,000, 2% from RM2,500, 5% from RM5,000.
- How the cap works
- Base cashback is uncapped; bonus cashback is capped at RM30 per category (dining, entertainment, shopping) per statement month — RM90 max — resetting each cycle and credited within 6 weeks.
- Foreign transaction fee
- Converted at the Visa/Mastercard or bank rate plus a 1% conversion fee
- Fee waiver
- Annual fee RM300 principal / RM150 supplementary (HSBC Credit Card Product Disclosure Sheet). The waiver condition is set out in HSBC's Annual Fee Waiver Requirement PDF; that file is image-only and could not be read on 1 Oct 2026, so no spend or transaction condition is stated here.
- ⚠Qualifying dining/entertainment/shopping merchants are defined by the T&C's category tables — not every merchant you'd expect qualifies
- ⚠Older reviews overstate the rate: a extra-3% bonus promotion ended 30 June 2025
- ⚠Cashback is paid to the primary cardholder only
Verified 1 October 2026. Summarised in our own words from HSBC Malaysia's published terms — indicative only, and terms change. Read the official document before you apply.
📄 Official HSBC Live+ Credit Cardterms & product disclosure →HSBC Live+ Credit Card FAQ
You need a minimum annual income of RM102,000 (about RM8,500 a month). HSBC Malaysia also considers your overall credit standing.
The annual fee is RM300, but it can be waived: rm300 p.a. (rm150 supplementary); waiver conditions per hsbc's fee-waiver pdf.
It earns up to 5% cashback on best dining cashback, capped at RM30 a month. Up to 5% cashback on dining, shopping & entertainment (capped RM30/category, max RM90/mo).
No — the HSBC Live+ Credit Card is a conventional credit card. Check with HSBC Malaysia for any Islamic (card-i) equivalent.
It's a good fit for high-income earners who want cashback — its main draw is "Up to 5% cashback on dining, shopping & entertainment (capped RM30/category, max RM90/mo)". Weigh the RM300 annual fee against how much you'll earn back. Compare it with the related cards below before applying.
See how the HSBC Live+ Credit Card compares
This card features in our ranked shortlists — compare it against the best in each category:
Rates, fees and promotions are indicative and time-limited — always confirm current terms with HSBC Malaysia before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by HSBC Malaysia; card names and logos belong to their respective owners. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.
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