Products · Credit Cards · HSBC Live+ Credit Card
Best for
Earners (RM8,500+/month) who want HSBC's best cashback card with up to 5% on dining, groceries, and petrol
Annual Fee
RM 300
Min. Income
RM 8,500/mo
Pros
- Up to 5% cashback on dining, groceries, and petrol
- RM300 annual fee: first year free; HSBC's pages disagree on whether the RM24,000 spend waiver applies to cards applied for after 2025
- One of HSBC's strongest cashback propositions
Cons
- RM8,500/month income — high bar for a cashback card
- 5% restricted to select categories — base rate on other spend is much lower
- Monthly cashback cap applies
Full specifications
| Annual Fee | RM 300 |
| Fee Waiver | First year free; then waived with RM24,000 retail spend a year (HSBC's pages disagree on whether cards applied for after 2025 qualify) |
| Min Income | RM 8,500/month |
| Apply Online | Yes |
How does HSBC Live+ Credit Card compare?
See how it stacks up against other credit cards from Malaysian banks.
Source: HSBC Malaysia's official product page. Annual fee checked against it on 7 Oct 2026; its fee waiver, minimum income and cashback or points figures were not all confirmed, so check them on that page. Product details and rates are subject to change — always confirm directly with the bank before applying.