HSBC Live+ Credit Card
Up to 5% cashback on dining, shopping & entertainment (capped RM30/category, max RM90/mo)
Last updated 7 August 2026 · Reviewed by Raymond, Rates.my
HSBC Malaysia 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 carries no annual fee.
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+
- ✓Annual fee waived with min. RM24,000/yr spend
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.
- +Free for life — no annual fee
- +Up to 5% cashback on best dining cashback
- −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 up-to-5% bonus on dining, entertainment and shopping requires a minimum monthly eligible spend set in the T&C tables.
- 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 waived with at least one transaction per month for 12 consecutive months.
- ⚠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 13 July 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.
No — the HSBC Live+ Credit Card is free for life with no annual fee.
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)". With no annual fee, there's little downside to holding it. 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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Live · last activity 30 Jun 2026
