HSBC
Live+ Credit Card
The Live+ Credit Card is a cashback credit card from HSBC. It has an annual fee of AED 313.95, and needs a minimum salary of AED 5,000 a month.
Annual fee
AED 313.95
Joining fee
Free
Min. salary
AED 5,000/mo
Rewards in
Cashback
Min. monthly spend
AED 3,000
Material
Plastic
Card highlights
- Earn 6% cashback on dining, 5% on fuel, 2% on supermarkets and entertainment (min AED 3,000 spend to unlock)
- 12 complimentary lounge visits a year (1,200+ lounges) plus USD 500,000 multi-trip travel insurance
- Monthly BOGO cinema ticket, Zomato Gold and Careem Plus memberships included
- 200+ MENA golf and lifestyle offers via Timeout and Golf Access Programme
Earn rates
| Category | Rate | Monthly cap |
|---|---|---|
| Dining & food | 6% | AED 200 |
| Fuel | 5% | AED 200 |
| Supermarket | 2% | AED 200 |
| Travel | 0.5% | No cap |
| Retail | 0.5% | No cap |
| Utilities | 0.5% | No cap |
| Education | 0.5% | No cap |
| Transport | 0.5% | No cap |
| Online shopping | 0.5% | No cap |
| International spend | 0.5% | No cap |
| Real estate | 0.5% | No cap |
Rewards on this card are capped at AED 800 a month across all categories (about AED 9,600 a year).
Current welcome offer
Earn up to AED 800 welcome cashback
- Up to AED 600 cashback for getting the card
- AED 100 cashback on first mobile-wallet use
- AED 100 cashback on first supplementary card payment
- Primary cardholders only, must not have held an HSBC primary card in the 6 months before applying
Expected offer expiry: December 2026
Benefits & perks
- •Airport lounge access: 12 complimentary visits/year to 1,200+ lounges for cardholder and additional cardholders
- •Multi-trip travel insurance up to USD 500,000 for cardholder and family (trips up to 90 days)
- •Buy 1 Get 1 Free movie tickets monthly plus up to 25% off F&B at UAE cinemas (min AED 6,000 spend that month)
- •Complimentary 12-month Zomato Gold membership (worth AED 149)
- •Complimentary 12-month Careem Plus subscription
- •Discounts at 400+ UAE restaurants
- •Timeout and Golf Access Programme: 200+ offers across MENA
- •Booking.com: up to 7% back as wallet credits
- •Airalo: 15% off data roaming
- •home&Away worldwide lifestyle offers
- •Extended warranty cover
- •Fraud protection
- •24-hour Visa Concierge
- •Digital wallet compatibility
Every card is checked against official bank sources. Last updated June 2026.
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More from HSBC
Cash+ Credit Card
- 1% cashback on all spend, no cap; 1.1% effective with AED 5,000/month tier
- Unlimited lounge access (1,000+ lounges) for cardholder plus 1 guest
Updated June 2026
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