HSBC Live+ Credit Card

About this product

HSBC Live+ Credit Card from HSBC Philippines offers 3% per month. Compare the facts below, then continue to the provider when you're ready.

Key facts

Rate

3% per month

Rewards

Up to 8% dining, 2% fast food, and 5% shopping, entertainment and selected travel

Good for

Dining, shopping and entertainment cashback

Rating

4.8 / 5

Card details

Network

Visa

Tier

Signature cashback

Best for

Dining, shopping and entertainment cashback

Billing currency

PHP

Availability

Public apply

Min. annual income

₱400,000

Min. monthly income

₱33,333

Principal annual fee

₱5,000

Supplementary annual fee

₱2,500

Intro / first-year fee

Annual fee waived for first year

Fee waiver

Limited offer through 31 Aug 2026: spend ₱60,000 within 60 days and register in the HSBC app for no annual fees for life

Monthly interest rate

3%

Foreign transaction fee

3.5%

Cash advance fee

₱200 per transaction; 3% monthly nominal interest

Base earn rate

0.2% cashback on other eligible spend

Bonus / cashback

Up to 8% dining, 2% fast food, and 5% shopping, entertainment and selected travel

Cap / threshold

₱10,000 statement-cycle spend unlocks accelerated rates; cashback cap ₱1,250/month

Travel / purchase insurance

Travel insurance up to ₱10 million; online purchase protection up to US$200

Other key benefits

Visa Digital Concierge, Caltex rebates, installment plans

Eligibility

Age 21–65; existing locally issued primary credit card held at least 6 months; annual income ₱400,000

Processing time

About 5–10 business days after complete documents

Product page

www.hsbc.com.ph/credit-cards/products/liveplus

Fees / terms

www.hsbc.com.ph/content/dam/hsbc/ph/docs/credit-card-fees-and-charges.pdf