HSBC Live+ Cashback cashback rate, cap and annual fee
HSBC Live+ Cashback pays 6% on dining — on the first AED 3,300 you spend on it each month, which is where the AED 200 cap stops it. Nothing at all below AED 3,000 of spending a month — AED 36,000 across a year. The card costs AED 313.95 a year.
HSBC · United Arab Emirates · catalogue v101
Read from HSBC's own published terms on 17 Aug 2026.
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| dining | 6.00% | AED 200reached at AED 3,300 of spendRestaurants and cafes. AED 200 per statement cycle on this category alone, and only in months you spend AED 3,000 or more. |
| fuel | 5.00% | AED 200reached at AED 4,000 of spendPetrol stations. AED 200 per statement cycle. |
| groceries | 2.00% | AED 200reached at AED 10,000 of spendSupermarkets. AED 200 per statement cycle. |
| entertainment | 2.00% | AED 200reached at AED 10,000 of spendEntertainment. AED 200 per statement cycle. |
| everything else | 0.50% | —Everything outside the bonus categories, with no minimum spend condition. |
Questions people ask
What cashback does the HSBC Live+ Cashback pay?
6% on dining, and 4 other rates. The top rate is capped at AED 200 a month.
Is there a cap on the HSBC Live+ Cashback?
Yes. dining is capped at AED 200 a month; fuel is capped at AED 200 a month; groceries is capped at AED 200 a month; and so on.
What is the annual fee on the HSBC Live+ Cashback?
AED 313.95 a year.
Is there a minimum spend on the HSBC Live+ Cashback?
Yes — AED 3,000 a month. Below that the bonus rates do not apply at all, which is the condition most comparison tables leave out.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. It works offline and never connects to a bank.
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