{
  "id": "hsbc-live-card",
  "locale": "hinglish",
  "name": "HSBC Live+ Credit Card",
  "bank": "HSBC",
  "cardType": "cashback",
  "cardTier": "entry",
  "annualFee": "₹999 + GST",
  "loungeAccess": "Saal mein 4 Domestic Airport Lounge visits (1 per quarter)",
  "rewardsRate": "Dining, Food Delivery aur Grocery par 10% Cashback · Baaki sab par 1.5% Unlimited",
  "bestFor": "Dining out, Swiggy/Zomato orders, Blinkit/Instamart grocery shopping aur daily expenses",
  "officialLink": "https://www.hsbc.bank.in/credit-cards/products/live-plus/",
  "aiVerdict": {
    "score": 4.7,
    "summary": "Its modest reward rate and low annual fee offset limited lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 1.5,
  "affiliateId": "hsbc-live-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "HSBC India — Live+ Credit Card schedule of benefits and MITC",
    "HSBC Live+ 10% dining & grocery cashback terms and conditions"
  ],
  "feeWaiver": "Saal mein ₹2,00,000 spend karne par annual fee completely waive off",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Dining & Grocery Spends",
      "value": "10% Cashback (₹1,200/mo cap)"
    },
    {
      "key": "Other Retail Spends",
      "value": "1.5% Unlimited Cashback"
    },
    {
      "key": "Forex Markup",
      "value": "1.99% + GST (Low rate)"
    },
    {
      "key": "Lounge Access",
      "value": "4 Domestic Lounges / year"
    },
    {
      "key": "Fee Waiver Target",
      "value": "₹2,00,000 / year"
    },
    {
      "key": "Annual Fee",
      "value": "₹999 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "Dining, Food Delivery & Grocery",
      "rate": "10.0%",
      "monthlyCap": "₹1,200 / month",
      "perLakhSpent": "₹10,000 (cap applicable)"
    },
    {
      "category": "Baaki Sabhi Domestic Retail Spends",
      "rate": "1.5%",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "₹1,500"
    },
    {
      "category": "Fuel & Wallet Reloads",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "₹0"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Dining & Restaurants",
      "multiplier": "6.67×",
      "rate": "10.0%",
      "monthlyCap": "₹1,200 / month (combined)",
      "dailyCap": "—",
      "note": "Restaurant POS swipe aur food bills par 10% cashback."
    },
    {
      "channel": "Food Delivery (Swiggy / Zomato)",
      "multiplier": "6.67×",
      "rate": "10.0%",
      "monthlyCap": "₹1,200 / month (combined)",
      "dailyCap": "—",
      "note": "Food delivery apps par direct 10% statement cashback."
    },
    {
      "channel": "Grocery & Quick Commerce (Blinkit, Instamart, Zepto)",
      "multiplier": "6.67×",
      "rate": "10.0%",
      "monthlyCap": "₹1,200 / month (combined)",
      "dailyCap": "—",
      "note": "Supermarkets aur quick delivery apps par 10% cashback."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Automatic Statement Credit",
      "value": "1:1 Direct Cash Value (₹1 = ₹1)",
      "minPoints": "Koi minimum nahi",
      "ceiling": "Direct statement adjustment",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Fuel purchases (standard 1% fuel surcharge waiver ₹400 se ₹4,000 par available).",
    "Wallet loading transactions aur ATM cash withdrawals."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹999 + GST"
    },
    {
      "item": "Annual / Renewal Fee",
      "value": "₹999 + GST (Waived on ₹2L spends)"
    },
    {
      "item": "Finance Charges (Monthly)",
      "value": "3.49% per month (41.88% per annum)"
    },
    {
      "item": "Foreign Currency Markup",
      "value": "1.99% + GST"
    },
    {
      "item": "Add-On Card Fee",
      "value": "Nil"
    },
    {
      "item": "Card Replacement Fee",
      "value": "₹100 + GST"
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Minimum Age",
      "requirement": "18 se 65 saal"
    },
    {
      "criteria": "Minimum Income (Salaried)",
      "requirement": "₹4,00,000 per annum"
    },
    {
      "criteria": "Minimum Income (Self-Employed)",
      "requirement": "₹6,00,000 per annum"
    },
    {
      "criteria": "Nationality",
      "requirement": "Resident Indian"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}