HSBC Live+
Cashback card by HSBC · Many hurdles · Min S$600 a month, Small cashback cap
Earns 5% on dining, shopping and entertainment. Everything else in S$ earns 0.3%. Annual fee: S$196.20, 1st year free.
Checked against HSBC's own terms on 21 Oct 2026. See the documents
How you earn
| Where | How you pay | You earn |
|---|---|---|
| Dining, shopping and entertainment | Any way of paying | 5% |
| Petrol at Caltex and Shell (Singapore) | Any way of paying | 5% |
| Everything else, in S$ | Any way of paying | 0.3% |
| Everything else, in a foreign currency | Any way of paying | 0.3% |
The bank's full earning rules
- 5% on Dining, Shopping and Entertainment, and on petrol at Caltex and Shell in Singapore.
- 0.3% on other eligible purchases, and on everything if the minimum isn't met.
- Minimum spend: SGD 600 in each month of the calendar quarter (SGD 1,000 for the first quarter).
- Cap: SGD 250 total cashback per calendar quarter per card account, base included.
- New cardholders: extra 3% for the first 2 calendar quarters.
Where the bonus applies
- Dining: MCC 5811, 5812, 5814, 5462, excluding hotel dining
- Shopping: 5262, 5309, 5310, 5311, 5331, 5611, 5621, 5631, 5641, 5651, 5655, 5661, 5691, 5699, 5941, 5948
- Entertainment: 4899 (streaming/cable), 5735, 5815 (digital media), 7832 (cinemas)
- Petrol: Caltex and Shell stations in Singapore (MCC 5541/5542)
Earns nothing on
- Foreign exchange, donations, quasi-cash, financial transactions, money transfers, professional services, prepaid/e-wallet top-ups…
- Never earn, by MCC: 4829, 4900, 5199, 5960, 6010, 6011, 6012, 6050, 6051, 6211, 6300, 6513, 6529, 6530, 6532, 6533, 6534, 6536, 6537…
Fees and limits
Good to know
5% needs SGD 600 spend in each month of the calendar quarter (SGD 1,000 in your first quarter). Total cashback, including the 0.3% base, is capped at SGD 250 per calendar quarter.
New cardholders get an extra 3% (8% total) for the first 2 calendar quarters; not modelled.
Petrol bonus is only at Caltex and Shell in Singapore. Food delivery counts only if coded as dining (MCC 5811/5812/5814/5462).
Bonus categories are decided by the merchant's category code (MCC), not by what the shop sells; the shopping list is limited to department, discount, variety, clothing, shoe, sporting goods, luggage and marketplace codes.
Where these facts come from
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