HSBC Live+ 8% Cashback Lives on… For New Live+ Cardholders
HSBC Live+ was an excellent 8% cashback when it launched last year, but it came with a “built-in nerf” of sorts. Its 8% cashback was always supposed to to be a time-limited thing, dropping back to just 5% cashback after the promotional period. Originally ending at 31st December 2025, the deadline was extended to 31st March 2025 which has now come and gone.
HSBC Live+ cards issued from 1st April to 30th September 2025 31st March 2026, however, will still enjoy the upsized 8% cashback for the first two quarters.
Together with the sign-up promo and first quarter spend requirement, this is a great opportunity for new applicants to get great value from their shopping and dining.
Sign-up Promo
There’s something for both new and existing HSBC cardholders when you apply for the HSBC Live+. The promo was recently extended and there days left for the current offer:
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
8% for the first 2 calendar quarters
For new applications, if you sign up in Q2 2025, you will enjoy upsized 8% cashback in Q2 and Q3 2025. If you sign up in Q3 2025, the period will be Q3 and Q4 2025. The specific dates are as such:
| Card Issued Date | Upsized 8% Cashback Period | Revert to 5% |
| 1st April to 30th June 2025 | 1st April to 30th September 2025 | From 1st October 2025 |
| 1st July to 30th September | 1st July to 31st December 2025 | From 1st January 2026 |
This is the case even if you own other HSBC credit cards.
First quarter spend requirement: S$1,000 across first 3 months
HSBC Live+ also has an easier spend requirement during the first quarter. Instead of S$600 per month for 3 consecutive months, you just need to spend S$1,000 within the first calendar quarter the card was issued in. For instance, if your card is issued in May 2025, you just need to make sure your total spend in Q2 2025 (April, May, June 2025) reaches at least S$1,000.
This is useful for one-off shopping sprees and bigger purchases. The total cashback HSBC Live+ awards is S$250 within a calendar quarter and that is good for S$3,125 spend. You can read more about this in an earlier post I’ve written.
heymax vouchers are a great option
One quick and easy way to clock spend on the HSBC Live+ would be to buy vouchers from heymax. heymax vouchers code as Merchant Category Code 5311 which is an eligible category for HSBC Live+’s 8% cashback.
You even get bonus miles when buying the vouchers, and for signing up below:
HeyMax
Get bonus Max Miles on top of your usual card rewards. Max Miles can be used to redeem gift cards, airline miles and hotel loyalty points.
🎁 New Users
Verify your phone number and make your first confirmed purchase:
💳 Features
- Earn bonus Max Miles on top of usual card rewards
- Track card spending (Visa cards only)
- Look up Merchant Category Code and see what cards to use
For reference only; refer to exact details in terms and conditions
Vouchers are a great way to bring forward spend to meet the spending requirements of cards. You can then spend your vouchers over however long you need, provided you do it within the expiry dates of the vouchers.
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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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