HSBC Live+ Credit Card: Unbeatable Cashback & Benefits

Min. Monthly Income

RM 5,000
Interest Rate

15% p.a.
Cashback

8%
Annual Fee

RM 300

Key Features

Up to 8% cashback on your dining spend
Up to 8% cashback at clothing stores, sporting goods and departmental stores.
Up to 8% cashback on entertainment spend at cinemas and on your favourite streaming subscriptions

Shopping

9/10

Travel

10/10

Groceries

8/10

Dining

9/10

Cashback

10/10

Dining
- Up to 8% cashback on your dining spend.
  - Enjoy 15% off your total bill at over 200 restaurants locally and across Asia.
- 0.2% cashback on domestic spend (local currency
Shopping
- Up to 8% cashback at clothing stores, sporting goods and departmental stores;
  - H&M, Isetan, JD sports, Lululemon, Nike, Parkson, Uniqlo, and more
- 0.2% cashback on domestic spend (local currency
Entertainment
- Up to 8% cashback1 on entertainment spend at cinemas and on your favourite streaming subscriptions;
  - including Disney+, Netflix, Spotify and more.
Travel
- unlimited 0.5% cashback on overseas spend and 0.2% on domestic spend.
Groceries
- unlimited 0.5% cashback on overseas spend and 0.2% on domestic spend.

Other Features

Card Information

Annual Fee	RM300 per year
Min. Monthly Income	RM 5000
Min. age for principal holder	21
Fee for principal holder	RM 300
Min. age for supplementary holder	18 years old
Fee for supplementary holder	RM150

Late payment charge	Minimum of RM10 or 1% of outstanding balance, up to a maximum of RM100
Cash advance amount	RM5,000 per day
Cash advance charge	Higher of RM15 or 5% of cash advance amount
Cash advance interest charge	18% per annum on cash advance amount
Rewards points expiry	NA

Product Review by

What cashback rates does the HSBC Live+ Credit Card offer?

The HSBC Live+ Credit Card offers up to 8% cashback on dining, entertainment, and shopping at selected merchants. It also provides 0.2% cashback on domestic spending and 0.5% cashback on overseas spending.

How can I apply for the HSBC Cash Advance?

Following are the options you can use for HSBC Cash Advance:

Any ATMs worldwide (using your credit card (PIN required).
- Step 1: Customer to key in PIN
- Step 2: Select 'cash advance'
- Step 3: Customer to key in cash advance amount
- Step 4: Customer can choose 'print advice' slip or not at this confirmation screen
Online transfer
If you have an HSBC deposit account, you can perform money transfer online from your HSBC credit card account to your HSBC savings or current account, 24 hours a day, 7 days a week*.
Step 1: Log on with username and password.

Step 2: Select 'Other Transfers' and choose 'Make a Transfer'.

Step 3: Select your credit card account to transfer the funds from, then select an amount to transfer your funds.

Step 4: Enter the amount you would like to withdraw and click 'Transfer' button.

Apply HERE
Phone
To apply, call 1300-88-1388 (local callers) or +603-832-5400 (oversea callers). Cash can be immediately transferred to your HSBC current or savings account.

How do I add HSBC/HSBC Amanah Credit Cards/-i to use Samsung Pay?

Scan your HSBC/HSBC Amanah Credit Card/-i with Samsung Pay app or manually enter your card details.

Your request to add and register your HSBC/HSBC Amanah Credit Card/-i to Samsung Pay is subject to approval from HSBC Bank Malaysia and/or HSBC Amanah Malaysia.

You'll be required to verify your identity by entering an OTP received by SMS, or by calling HSBC Bank / HSBC Amanah Malaysia at one of the numbers below.

Once approved, an image of your card will appear in Samsung Pay and you'll be able to use it to make payments via your Samsung device.

What if I forget my HSBC Malaysia online banking login details and have to change them, does this affect Samsung Pay?

Your HSBC Malaysia online banking platforms are separate from Samsung Pay, with different login details. Any changes will not affect your Samsung Pay setup.

HSBC Credit Card Terms and Conditions & Product Disclosure Sheet

HSBC Product Disclosure Sheet (EN) HERE
HSBC Product Disclosure Sheet (BM) HERE

What is the HSBC Live+ Card annual fee waiver requirements?

1st year waived.
Subsequent year is waived based on annual spending of RM24,000 and above (annual spend is calculated as total retail spend in past 12 months statement prior to annual fee charge).

Wondering How to Keep Your Annual Fee Waived Year After Year?

All HSBC Live+ Credit Card applied from 1 Aug 2024 – 31 Dec 2025
Minimum RM24,000 annual spend requirement includes both primary & supplementary spend and the annual fee waiver is applicable for both cards
Eligible retail spend for annual fee waiver include all retail purchases such as:

Local/Overseas transactions
Full amount of Card Instalment Plan (IPP)
Online transactions
Standing Instructions/Auto Bills
Insurance, Education, Utilities, eWallet top up, dining, shopping, entertainment

Spend not Eligible for annual fee waiver are all non-retails purchases:

Sales & Services Tax (SST)
Fees/Interest charges
Monthly Instalment amount such as IPP, CIP, BCP