HSBC Live+: How I Get 8% Cashback on My Holiday and Overseas Dining/Shopping
Doing your Christmas shopping and dining or going somewhere for vacation? Here’s how you can get generous 8% cashback on your year-end gifts and meals with HSBC Live+. At the same time, signing up can get yourself a great welcome promo!
🆕 A new HSBC cardholder refers to those who do not currently have a principal HSBC credit card and have not cancelled any in the past 12 months.
💳 An existing HSBC cardholder refers to those who have not cancelled any card in the past 12 months, and their existing cards were issued more than 12 months ago.
⚠️ It’s possible to be neither a new nor existing cardholder if you do not meet any of the two definitions above. Refer to the terms and conditions for specific terms.
Promo Details
Sign up below as a new cardholder and make sure to fill up the SingSaver Rewards Redemption form to qualify. Make sure you also consent to marketing and make at least S$500 in eligible spend by the end of the following month. Cards that are approved in November 2025, for instance, have until 31st December 2025 to clock the spend.
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
Easy 8% cashback in your first quarter on dining and shopping
If you’re unfamiliar with the card, HSBC Live+ is giving a high 8% cashback for new cardholders. The catch? You have to make a minimum spend of S$600 per month for 3 consecutive months. There is, however, a way to sidestep this requirement and that’s in the first calendar quarter when you apply for your HSBC Live+ card. Instead of having to meet a minimum spend each month for a quarter, you just need to make at least S$1,000 spend within the first calendar quarter your card is approved.
For instance, signing up in November would mean that you have until end of 31st December to spend at least S$1,000, and it does not matter whether your spend is in November or December. Moreover, the cashback cap is S$250, meaning to say you could spend as much as S$3,125 and get full 8% cashback on that amount. The card is hence very easy to use in its first quarter, making it suitable for your year-end shopping and dining.
That’s exactly what I did recently when Q4 of this year started – I got my “Player 2” (basically, a close friend/relative) to sign up for HSBC Live+ so I can get an easy 8% cashback on my spending. Here’s me recently treating myself to a celebratory gift with the HSBC Live+:
Great for vacation spend too
Beyond just buying a present for myself, it has also been very good for my year-end overseas trip. While not specifically an overseas card, most expenses while abroad tend to be meals and shopping anyway, and these are two categories the HSBC Live+ does well in.
Getting 8% cashback at restaurants, duty-free stores and clothing shops is incredibly easy especially since I’ve already met the minimum spend with my gift-buying. The high cashback more than makes up for the foreign currency fee that HSBC charges, and overall gives better value than many other cards, even those with no foreign currency fees.
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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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