HSBC Live+ (Singapore) cashback rate, cap and annual fee
HSBC Live+ pays 5% on dining, and 4 other rates. Nothing at all below SGD 600 of spending a month — SGD 7,200 across a year. The card costs SGD 196.20 a year.
This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.
HSBC · Singapore · catalogue v121
Read from HSBC's own published terms on 29 Oct 2026.
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| dining | 5.00% | —5% with HSBC's Dining Merchants, takeaway and restaurants. Needs S$600 of eligible purchases in each of the quarter's three months; 0.3% otherwise. SG |
| HSBC Shopping Merchantsretail and department stores | 5.00% | —5% with HSBC's Shopping Merchants, online and in store; HSBC does not list them. Needs S$600 of eligible purchases in each of the quarter's three mont |
| cinemas and streamingentertainment | 5.00% | —5% at cinemas and on streaming subscriptions (Disney+, Netflix, Spotify). Needs S$600 of eligible purchases in each of the quarter's three months; 0.3 |
| Caltex and Shellfuel | 5.00% | —5% at Caltex and Shell stations in Singapore, on top of their own discounts. Needs S$600 of eligible purchases in each of the quarter's three months; |
| everything else | 0.30% | —0.3% on all other eligible purchases. |
| government | None | —Government payments, fines and taxes: excluded from earning by the issuer's terms. |
| education | None | —School and university fees: excluded from earning by the issuer's terms. |
| phone and internet | None | —Utility and telecom bill payments: excluded from earning by the issuer's terms. |
Questions people ask
What cashback does the HSBC Live+ pay?
5% on dining, and 4 other rates.
Is there a cap on the HSBC Live+?
No monthly cap is published on the rates shown here.
What is the annual fee on the HSBC Live+?
SGD 196.20 a year.
Is there a minimum spend on the HSBC Live+?
Yes — SGD 600 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. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.
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