Extended: HSBC Live+’s 8% Cashback Rate Lives On Until 31st March 2025
Originally ending on 31st December 2024, HSBC Live+’s generous 8% cashback earn rate has been extended by another quarter. The card will continue to give 8% cashback on eligible dining and shopping Merchant Category Codes (MCC) until 31st March 2025.
Thanks to Martin from the Telegram for pointing this out.
Bonus 3% continues for another 3 months
Since its launch, HSBC Live+ has offered 8% cashback on dining and shopping transactions. This is made up of 5% cashback and a promotional 3% bonus to mark its debut.
The 3% bonus cashback was set to end 31st December 2024, making the HSBC Live+ a 5% cashback card. I personally feel that 5% cashback is a little too weak for a card that has a quarterly cashback mechanic. If I have to spend at least S$600 per month on specific categories for 3 consecutive months, the rewards better correspond to the level of effort, especially given how there are cards that give 8% to 17.5% without such trouble.
5% doesn’t quite cut it and HSBC seems to think so too… at least for the next 3 months. It really should be a permanent feature, or in my mind at least 7%, but I guess we will see whether this card will continue to be relevant in 2025 when the end of March 2025 nears.
Fantastic promo is also extended
At the same time, the very generous sign-up promo for HSBC Live+ has also been extended to 2nd January 2025:
HSBC Live+
Cards approved between 1st April 2025 to 31st March 2026: get upsized 8% cashback on dining and shopping and 5% cashback on fuel. Read the review here.
🎁 New Cardholders
Apply by 2nd August 2026 and choose 1:
Don’t like the gifts? You can choose to top up. Tap on Apply and view options on landing page. Refer to Important Steps below
💳 Existing Cardholders
Apply and receive:
Existing cardholders are those who have not cancelled any HSBC card in the past 12 months, and their existing HSBC cards were issued more than 12 months ago
⚠️ Important Steps
- Provide HSBC consent to receive marketing/promotional materials during application
- Fill up SingSaver Rewards Redemption Form to select your gift
- If no application reference number is provided, use the last 4 digits of your mobile number
- Existing cardholders can fill up the form pick any gift; S$50 cashback will be given upon completion of requirements
- Make a min. spend of S$500 by the end of the following month from card approval date to be eligible for rewards (i.e. cards approved in August will have until 30th September to complete spend requirement)
For reference only; refer to exact details in terms and conditions
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Seth Wee was a licensed financial adviser representative from 2009 to 2025, with over 16 years of experience in Singapore’s financial advisory industry.
He started Sethisfy.com in 2019 to share practical insights on credit cards, banking products, and miles strategies, helping readers identify financial products that deliver the best value. Seth has been featured in CNA, Channel 8, Today, and a host of other publications. In 2025, he was also part of a panel at CPF’s Ready For Life festival.
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