#9
HSBC Live+ Credit Card
S$196.20/yr (1st yr waived)(S$196.2)
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HSBC Live+ Credit Card, issued by [HSBC Singapore](/entity/hsbc-singapore) in Singapore, earns up to 8% cashback/rebate paired with S$300 cashback or Samsonite luggage on S$800 qualifying spend (valid through 2026-12-31).
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HSBC Live+ Credit Card, issued by HSBC Singapore in Singapore, earns up to 8% cashback/rebate paired with S$300 cashback or Samsonite luggage on S$800 qualifying spend (valid through 2026-12-31).
Key Metrics
Specifications
IssuerHSBC Singapore
Local Miles RateCashback-focused
Overseas Miles RateCashback-focused
Headline CashbackUp to: 8%
Monthly Spend CapS$833/mo
Sign-Up BonusS$300 cashback or Samsonite luggage on S$800 qualifying spend
Annual Fee (GST incl.)S$196.20 (1st year waived)
FX Fee3.25%
Pros and Cons
Pros
- Up to 8% quarterly cashback across dining, shopping, and entertainment (plus 5% Caltex/Shell fuel) at a low S$600/month spend floor
- Extra 15% instant bill discount at Live+ dining partner restaurants across Asia
Cons
- Bonus 8% cashback capped at S$250 per quarter (~S$83/month equivalent)
- Requires hitting S$600 in all 3 months of a quarter
Eligibility
- MAS minimum income S$30,000/yr for Singaporeans/PRs
- S$600 qualifying spend
- 12-month new-to-bank rule
Things to Watch Out For
- Bonus 8% cashback capped at S$250 per quarter (~S$83/month equivalent)
- Requires hitting S$600 in all 3 months of a quarter
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