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HSBC Live+ Credit Card
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HSBC Live+ Credit Card
RM 5,000
Minimum monthly income
RM 0
Annual fee
Free for the first year, and waived in subsequent years with an annual retail spend of RM24,000 or more, calculated over the past 12 months before the annual fee charge.
15%
Interest rate p.a
3.88%
Balance transfer rate (fixed)
Special Offers
Win RM4,800 OR get RM600 Touch 'n Go eWallet Credits guaranteed when you apply, activate, and spend with HSBC Credit Cards via CompareHero today.
Product details
Product details
Benefits
Free 24-hour loss reporting line
If you lost your credit card, don't hesitate to reach out to HSBC available for you 24/7
SecurePay
Secure transactions when making online purchases with a One-Time-Password (OTP) sent via SMS
Pin and Pay
For improved financial security and to prevent credit card fraud, a 6-digit Personal Identification Number (PIN) will be used for all credit card payments at point-of-sale terminals in Malaysia. Additionally, new credit cards have the contactless Paywave feature, which allows a fast, easy and convenient way to pay.
Email statements
Timely delivery of statements securely and privately so enjoy no lost or misplaced statements. Join HSBC's Go Green Initiative - advocating a paperless environment, and reducing global carbon footprint.
Cash Advance
Flexibility for emergency use or when a credit card payment is not acceptable. No documents are required and enjoy 24-hour instant cash withdrawal from any ATMs worldwide.
Balance Transfer
Consolidate your other credit card outstanding balances and enjoy a low 3.88% one-time upfront handling fee for 12 months.
Cash Instalment Plan
Convert available credit limit into cash and enjoy interests as low as 3.88% p.a. and 4.88% p.a. for new-to-card and existing-to-card customers respectively, for up to 12 months of repayment period.
Features
Good for
Cashback
Up to 8% cashback monthly on dining, entertainment and shopping
Unlimited 0.5% cashback monthly on other eligible overseas spending
Unlimited 0.2% cashback monthly on other eligible domestic spending
Cashback is capped at RM30 per category per statement month
Exclusive perks from Visa for your lifestyle spending, and discounts plus offers via the HSBC Smart Privileges Programme
Up to 15% discount on dining at over 200 selected restaurants locally and across Asia via the Live+ Dining Programme
RM10 off every weekend at any GSC Cinema outlet (until 31 July 2025)
Eligibility
| Minimum monthly income | RM 5,000 |
| Minimum age: | |
| Cardholder | 21 |
| Supplementary Cardholder | 18 |
Fees & Charges
| Annual fee | RM 0 | Free* |
| Annual fee waiver | Yes | Free for the first year, and waived in subsequent years with an annual retail spend of RM24,000 or more, calculated over the past 12 months before the annual fee charge. |
| Late payment fee | RM 10/1% | A minimum of RM10 or 1% of the outstanding balance, whichever is higher up to a maximum of RM100 |
| Interest rate | 15% | Cardmembers who promptly settle their min payment due for 12 consecutive months |
| Balance transfer rate (fixed) | 3.88% | Enjoy a low one-time upfront handling fee of 3.88% for a 12-month repayment. Minimum transfer amount is RM1,000 |
| Annual fee |
RM 0 Free* |
| Annual fee waiver |
Yes Free for the first year, and waived in subsequent years with an annual retail spend of RM24,000 or more, calculated over the past 12 months before the annual fee charge. |
| Late payment fee |
RM 10/1% A minimum of RM10 or 1% of the outstanding balance, whichever is higher up to a maximum of RM100 |
| Interest rate |
15% Cardmembers who promptly settle their min payment due for 12 consecutive months |
| Balance transfer rate (fixed) |
3.88% Enjoy a low one-time upfront handling fee of 3.88% for a 12-month repayment. Minimum transfer amount is RM1,000 |
Document required to apply
You will need to provide several documents such as (varies between different banks):
Please prepare the following documents to make your application.
Salaried Employees (Malaysian):
Multinational / Public listed Companies/Government/Semi-Government office
- Photocopy of IC (both sides), and any 1 from below
- EPF statement - latest original PDF copy of non-password protected statement downloaded from KWSP website/App OR
- Bank statement - original PDF copy of non-password protected statement downloaded from online banking website/App showing latest 3 months salary credit OR
- Letter of confirmation from employer or latest month salary slip if employed less than 3 months OR
- Latest Income Tax Return Form (Form BE with tax receipt) OR
- Form EA
Other Companies
- Photocopy of IC (both sides), and any 2 from below
- EPF statement - latest original PDF copy of the non-password protected statement (latest 2 years EPF statement if contribution less than 6 months) downloaded from KWSP website/App AND/OR
- Bank statement - original PDF copy of non-password protected statement downloaded from online banking website/App showing latest 3 months salary credit AND/OR
- Latest 3 months salary slip AND/OR
- Latest Income Tax Return Form (Form BE with tax receipt) AND/OR
- Form EA
Self-Employed (Malaysian):
- Photocopy of IC (both sides), AND
- Photocopy of Business Registration Form (established minimum 3 years), AND any 1 from below
- Bank statement - latest 6 months original PDF copy of non-password protected statement downloaded from online banking website/App AND/OR
- Latest Income Tax Return Form (EPF Statement or Form B with payment receipts or CP02 attached)
Expatriate:
- Copy of passport showing personal details and work permit (must be valid for at least 1 year)
- Latest month's salary slip
- Letter of confirmation from employer stating position, remuneration and duration of employment
- Minimum RM10,000 per month AND working for multinational/public listed companies/government/semi-government/HSBC corporate lending employers
For more information, you may click on the link below.
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Up to 8% cashback on lifestyle spending
Introducing the brand-new HSBC Live+ Credit Card that rewards up to 8% cashback when you hit the eligible monthly spending criteria on selected lifestyle spending categories such as dining, shopping and entertainment, capped at RM30 per statement month on each category.
Additionally, you earn an unlimited 0.2% and 0.5% cashback on other eligible domestic and overseas spending (no spending amount limit). Below is the breakdown of the cashback.
|
Monthly Eligible Spend |
Dining |
Shopping |
Entertainment |
Other Domestic Spending (No minimum spend) |
Other Overseas Spending (No minimum spend) |
|
Cashback Type |
Bonus Cashback |
Bonus Cashback |
Bonus Cashback |
Base Cashback |
Base Cashback |
|
Minimum Spend RM1,000 |
1% |
1% |
1% |
0.2% |
0.5% |
|
Minimum Spend RM2,500 |
1% |
1% |
1% |
0.2% |
0.5% |
|
Minimum Spend RM5,000 |
8%* |
8%* |
8%* |
0.2% |
0.5% |
|
Monthly Capping |
RM30 |
RM30 |
RM30 |
Unlimited |
Unlimited |
Note: The Base Cashback forms part of the Bonus Cashback.
Good to highlight as well that the 8% cashback is a promotional offer which means the initial cashback is 5% and you get 3% additional cashback on dining, shopping and entertainment categories. The cashback offer is available until 31 December 2024, subject to further extensions set by HSBC, if any.
Special lifestyle perks
Further adding to the cashback perks, you also can enjoy up to 15% discount on dining at over 200 selected restaurants locally and across Asia via the well-chosen Live+ Dining Programme with terms applied.
Not to mention, enjoy RM10 off on movie tickets every Saturday and Sunday at any GSC Cinema outlet closest to you, available until 31 July 2025! T&Cs apply.
HSBC credit features
As an HSBC credit card holder, you are also entitled to enjoy a few credit features such as the HSBC Card Instalment Plan, HSBC Cash Instalment Plan, and HSBC Balance Transfer Instalment, etc.
- HSBC Card Instalment Plan
Have your eyes on that brand-new LED TV? Or fancy upgrading to a new sofa? With this instalment plan, you can stretch the payment for up to 36 months at 0% interest.
- HSBC Cash Instalment Plan
In need of emergency cash? You have the flexibility to borrow and withdraw for up to 60% of your credit limit with 3.88% p.a. interest (for new-to-card customers) and 4.88% p.a. interest (for existing-to-card customers) for 12 months with this plan.
- HSBC Balance Transfer Instalment
If you have multiple credit cards with outstanding balances from other banks, you can transfer them to this plan via a new HSBC credit card and enjoy a low 3.88% one-time upfront handling fee and a longer repayment period of 12 months.
What are the eligibility criteria to apply for HSBC Live+ Credit Card?
Anyone aged 21 years and over is eligible to apply as the principal cardholder. You also must earn a minimum annual income of RM60,000 to apply for the HSBC Live+ Credit Card.
FAQs
FAQs
- - Up to 8% cashback monthly on dining, shopping and entertainment spending
- - Unlimited 0.5% cashback monthly on other eligible overseas spending
- - Unlimited 0.2% cashback monthly on other eligible domestic spending
- - Cashback is capped at RM30 per category per statement month
- - Exclusive perks from Visa for your lifestyle spending, and discounts plus offers via the HSBC Smart Privileges Programme
- - Up to 15% discount on dining at over 200 selected restaurants locally and across Asia via the Live+ Dining Programme
- - RM10 off every weekend at any GSC Cinema outlet (until 31 July 2025)
The annual fee for the primary/principal card is RM300 and RM150 for the supplementary card. The first year is free and will continue to be waived in the subsequent years when you make an annual spending of RM24,000 and above (the annual spending is calculated as the total retail spend in the past 12 months' statement prior to the annual fee charge.)
Exclusively for the HSBC Live+ Credit Card applied from 1 August 2024 until 31 December 2025, you can combine the minimum RM24,000 annual spend requirement with your primary/principal card and supplementary card spending. Below is the list of eligible retail spend:
- Local/overseas transactions
- Full amount of any HSBC Card Instalment Plan
- Online transactions
- Standing instructions/auto bills
- Insurance, education, utilities, e-wallet top-ups, dining, shopping and entertainment
Non-retail spending that is not eligible for the annual fee waiver includes:
- Sales and Services Tax (SST)
- Fees/interest charges
- Monthly instalment amounts such as IPP, CIP and BCP
You will be charged an annual RM25 for sales and service tax. There is also a late payment fee of 1% or it can also be RM10 from the overdue amount. As for interest rates, you will be charged 15% annually provided you make the minimum monthly repayment which is 5% or it can be RM50 from the overdue amount, depending on which amount is higher.
You must be 21 years old and above and earn a minimum monthly income of RM5,000 (RM60,000 annually) to be eligible as a principal cardholder. As for the supplementary card, the cardholder must be at least 18 years old to qualify.
For shoppers and entertainers alike. With the HSBC Live+ Credit Card, you get to dine out, shop around and have fun while getting extra savings with the cashback you get to earn with every swipe you make.
