HSBC Live+ Credit Card review, fees and requirements
People who eat out often and can hit the promo spend. High cashback rates come with caps and conditions. Read HSBC’s terms first.
Benefits of the Live+ Credit Card
From HSBC’s own card page.
- Up to 8% cashback on dining
- 5% on travel, shopping and entertainment
- 2% on fast food
People who eat out often and can hit the promo spend.
High cashback rates come with caps and conditions. Read HSBC’s terms first.
What it costs
- Annual fee
- Ask the bankHSBC promo: no annual fee for life if you spend ₱60,000 within 60 days and register in the HSBC app
- Supplementary card
- Ask the bank
- Interest
- Up to 3% a month (BSP cap)Only if you don’t pay the full balance by the due date
- Late payment
- Ask the bank
- Cash advance
- Ask the bankPlus interest from day one
- Foreign currency
- Ask the bank
What HSBC asks for
- An income HSBC will confirm when you apply
- No existing credit card needed
- A valid government ID and proof of income (payslips, COE or BIR Form 2316; ITR if self-employed)
- Age 21 or older is the usual rule for principal cardholders; check the bank’s form
Approval is the bank’s call. Applying where your salary or savings already are helps.
Cards to compare with the Live+ Credit Card
Similar cards from other banks, and the next level up.
Families who spend a lot on groceries.
- 4% cashback at supermarkets
- 1% cashback at drugstores and on utilities
- 0.3% cashback on other local spend
- Annual fee
- ₱2,050/yrBPI fee table
- Income needed
- ₱15,000/moFrom listings; ask BPI
Cashback has caps. Check BPI’s maximum against what you really spend at the supermarket.
See it on BPI Partly from the bank · confirm the rest · November 2026
Rebates on everyday categories from Metrobank.
- Rebates on everyday categories; Metrobank says up to ₱12,000 a year
- 0.2% rebate on all other purchases
Needs an existing card from another bank
- Annual fee
- Ask the bankAsk Metrobank
- Income needed
- ₱40,000/mo₱480,000 a year
Needs another bank’s card for 9+ months with a ₱50,000+ limit.
See it on Metrobank From the bank’s own pages · November 2026A mid-tier card from Security Bank.
- Annual fee
- ₱2,500/yr
- Income needed
- ₱30,000/mo₱360,000 a year
Figures from a 2025 fee table; confirm with Security Bank.
See it on Security Bank From comparison listings · confirm with the bank · November 2026
HSBC Live+ Credit Card: questions
HSBC promo: no annual fee for life if you spend ₱60,000 within 60 days and register in the HSBC app. Ask HSBC before applying.
HSBC doesn’t publish a figure we could confirm. Ask HSBC or check its application form.
It can be, if your income clears the rule, but most people start with a no-fee card and move up after 6 to 12 months of paying in full.
Up to 8% cashback on dining, 5% on travel, shopping and entertainment, per HSBC’s own page. Rewards only pay off if you pay the full balance every month; card interest is up to 3% a month.
How this page works. Figures come from HSBC’s own pages and, where the bank doesn’t publish them, comparison listings, checked November 2026. Banks change fees and rules and decide approvals case by case, so confirm on HSBC’s page before you apply. If the button above is a partner link it says so; PesoPilot may earn a fee when an application is approved, at no cost to you, and it never changes what we say about a card. Educational, not financial advice.