Live+ Credit Card | Cashback on Dining & Shopping

Live it up with extra cashback

Who says you can't have it all? With our HSBC Live+ Credit Card, you can spend on all the things you love… and earn cashback towards the things you've got your eye on.

Apply now for HSBC Live + Credit Card

Dine

Treat yourself to exclusive dining offers, around town and across Asia – plus, get up to 8% cashback on takeaway and at restaurants[@cards-liveplus-tc-details].

Shop

Indulge in retail therapy, all while earning up to 8% cashback towards your next shopping trip[@cards-liveplus-tc-details].

Fun

Binge movies and shows at home or at the cinema[@cards-liveplus-tc-details], and earn unlimited 1% cashback on them too.

Power up with unlimited 0.3% cashback on all other spending[@cards-liveplus-tc-details] including domestic and overseas purchases.

Live+ perks and privileges

The card that gets you more out of life.

Dine – in Vietnam and around Asia

Take a bite out of dessert, not out of your wallet. No matter if you're craving takeaway or heading out to the restaurants, we've got some pretty sweet dining deals and an even sweeter cashback programme.

Get up to 8% cashback on dining, capped at VND200,000 per month (6% for all customers, and an extra 2% for payroll customers)[@cards-liveplus-tc-details]
Earn cashback on both dine-in and takeaway orders at merchants under the defined merchant category code (MCC)[@cards-liveplus-tc-details]
Enjoy a discount of 15% or higher at over 200 restaurants across Asia through our curated Live+ Dining Programme

Check out the Live+ Dining Programme This link will open in a new window

Shop – both online and offline

Stay on trend without breaking the bank. Whether you're treating yourself to retail therapy or buying gifts for your loved ones, we know here are some rewards that will never go out of style.

Get up to 8% cashback on shopping, capped at VND200,000 per month (6% for all customers, and an extra 2% for payroll customers)[@cards-liveplus-tc-details]
Earn cashback on shopping transactions, in stores and online, at merchants under the defined merchant category code (MCC)[@cards-liveplus-tc-details]
Enjoy a wide range of amazing shopping deals and discounts from Visa, for all Visa Signature cardholders – learn more on the Visa website
Shop to your heart's content with deals of up to 50% at hundreds of our partners, every day

Explore our daily shopping offers This link will open in a new window

Fun – both on big and small screens

Sit back and enjoy some extra cashback. Whatever you're in the mood for, we've got offers you'd love to immerse yourself in.

Get unlimited 1% cashback on your entertainment spending[@cards-liveplus-tc-details]
Earn cashback with your card whenever you buy movie tickets at the cinema, pay for entertainment subscriptions such as Netflix and Spotify or your favourite music and video streaming services – and many more – under the defined merchant category code (MCC)[@cards-liveplus-tc-details]

Check out our card offers This link will open in a new window

Life with even more perks

Get more out of life

With our exclusive dining programme and curated offers with Visa Concierge – learn more.
Turn purchases into monthly instalments

That can be paid over up to 36 months, with Spend Instalment on the HSBC Vietnam app.
Discover even more deals

With our home&Away offers, daily deals, and member-get-member offers.

Spend and repay, guilt-free

Interest-free period of up to 55 days.
Split big purchases – no interest

At our partner merchants with an Instalment Plan, no interest for up to 24 months.

Things you need to know

Who can apply?

To apply for an HSBC Live+ Credit Card, you'll need to:

Be at least 21 years old
Have a minimum monthly income transferred from a company account – VND9 million if you're a salaried Vietnamese citizen; or VND40 million if you're a self-employed Vietnamese citizen, a salaried foreigner or a business owner who's also a Vietnamese citizen
Be working and residing in the following cities or provinces: Hanoi, Ho Chi Minh City, Dong Nai, Binh Duong, Long An, Da Nang, Hue, Hoi An, Ba Ria - Vung Tau, Tay Ninh, Bac Ninh, Vinh Phuc, Hung Yen, Hai Duong, Hai Phong
Have permission to reside in Vietnam for at least 12 consecutive months from the time of application if you're a foreigner staying in Vietnam

You'll need to submit the following information to apply for this credit card:

A completed credit card application form
Identification documents for the primary cardholder and any supplementary cardholders
Current proof of address
Employment and income documents for the primary cardholder

You can learn more about what you need to submit from our list of required documents (PDF).

The following table shows a summary of some of the fees and charges for this credit card. For the full and most up-to-date details, please refer to our personal banking tariffs guide (PDF).
Fees and charges	Details
Issuance fee (primary card)	VND800,000[@cards-liveplus-payroll-offers]
Issuance fee (supplementary card)	VND400,000[@cards-liveplus-payroll-offers]
Annual fee (primary card)	VND800,000[@cards-liveplus-payroll-offers]
Annual fee (supplementary card)	VND400,000[@cards-liveplus-payroll-offers]
ATM cash advance fee (per transaction)	4% of the cash advance amount (minimum VND50,000)
Minimum payment due	Includes all of the following amounts: 5% of the statement balance, less any instalment repayment amounts, minimum VND50,000 and any instalment repayment amounts (if any) the greater of the overdue amount or over-limit amount
Finance charge	36% per year, or no charge if no cash advance has been used and the full statement balance was paid by the due date of each statement. Please note that the finance charge may change from time to time per local regulatory requirements.
Late charge	3% of statement balance (minimum VND80,000, capped at VND630,000)
Administrative fee for overseas transactions (per transaction)	3.5% of the transaction amount
Over credit limit fee	VND100,000

The following table shows a summary of some of the fees and charges for this credit card. For the full and most up-to-date details, please refer to our personal banking tariffs guide (PDF).
Fees and charges	Issuance fee (primary card)
Details	VND800,000[@cards-liveplus-payroll-offers]

Fees and charges	Issuance fee (supplementary card)
Details	VND400,000[@cards-liveplus-payroll-offers]

Fees and charges	Annual fee (primary card)
Details	VND800,000[@cards-liveplus-payroll-offers]

Fees and charges	Annual fee (supplementary card)
Details	VND400,000[@cards-liveplus-payroll-offers]

Fees and charges	ATM cash advance fee (per transaction)
Details	4% of the cash advance amount (minimum VND50,000)

Fees and charges	Minimum payment due
Details	Includes all of the following amounts: 5% of the statement balance, less any instalment repayment amounts, minimum VND50,000 and any instalment repayment amounts (if any) the greater of the overdue amount or over-limit amount

Fees and charges	Finance charge
Details	36% per year, or no charge if no cash advance has been used and the full statement balance was paid by the due date of each statement. Please note that the finance charge may change from time to time per local regulatory requirements.

Fees and charges	Late charge
Details	3% of statement balance (minimum VND80,000, capped at VND630,000)

Fees and charges	Administrative fee for overseas transactions (per transaction)
Details	3.5% of the transaction amount

Fees and charges	Over credit limit fee
Details	VND100,000

The following table shows a summary of limits that you should keep in mind with your credit card.
Limit	HSBC Live+ Credit Card
Physical card validity	5 years since issuance date, subject to terms and conditions mentioned in Credit Card Cardholder Agreement (PDF).
Credit limit	From VND15 million to VND1 billion
Purchase limit	Up to 100% of the credit limit (overlimit is allowed within our accepted limit)
Cash withdrawal limit	Up to 30% of the credit limit, capped at VND100 million per month; and limit of each transaction and each day is as following, depending on whichever lower: Domestic: VND16 million per transaction Overseas: VND16 million per transaction or VND30 million per day
Supplementary cards	Up to 2 supplementary cards for direct relatives of the primary cardholder

The following table shows a summary of limits that you should keep in mind with your credit card.
Limit	Physical card validity
HSBC Live+ Credit Card	5 years since issuance date, subject to terms and conditions mentioned in Credit Card Cardholder Agreement (PDF).

Limit	Credit limit
HSBC Live+ Credit Card	From VND15 million to VND1 billion

Limit	Purchase limit
HSBC Live+ Credit Card	Up to 100% of the credit limit (overlimit is allowed within our accepted limit)

Limit	Cash withdrawal limit
HSBC Live+ Credit Card	Up to 30% of the credit limit, capped at VND100 million per month; and limit of each transaction and each day is as following, depending on whichever lower: Domestic: VND16 million per transaction Overseas: VND16 million per transaction or VND30 million per day

Limit	Supplementary cards
HSBC Live+ Credit Card	Up to 2 supplementary cards for direct relatives of the primary cardholder

Please note:

Your overseas cash withdrawal limit is subject to State Bank of Vietnam (SBV) regulations
You can apply for a supplementary card for your spouse or family member. But your credit limit won't increase. Instead, the total credit limit will be shared across both the supplementary cards and the primary card

Apply now

Apply for this card online in just a few steps. It'll only take minutes, and you'll soon be on your way to enjoying your welcome offer, earning cashback, and indulging yourself with our amazing dining discount deals.

Apply online for HSBC Live + Credit Card This link will open in a new window

Before you apply, please make sure you read all the information in the 'Things you need to know' section.

Your mobile device must have a camera for the identity verification process. Please be ready with a supported mobile device for a better experience.

If you experience a disconnection due to poor image quality, please switch to another supported mobile device and re-process the application.

Frequently asked questions

You can earn cashback on personal spending. They can be made locally, abroad or online. They can be made at dining, shopping and entertainment places under the specified Merchant Category Codes. For details, please refer to the HSBC Live+ Credit Card terms and conditions[@cards-liveplus-tc-details].

We'll credit the cashback to your card automatically. We’ll do this 2 working days after the statement date on your credit card statement.

The amount credited will be shown in your credit card transaction details as 'Cashback credited'. You can find its details in HSBC Online Banking, the HSBC Vietnam app, or on your next credit card statement.

Yes, you can use the cashback you've earned to offset any:

Retail purchase transactions that are posted on our systems, but not billed in your credit card statement yet
Future retail purchase transactions
Negative cashback amounts, which may happen when a transaction has been reversed

Please note that cashback cannot be transferred, withdrawn as cash, or used to pay any credit card statement generated before the cashback was credited.

You'll forfeit all the cashback you've earned on your HSBC Live+ Credit Card:

If you close your HSBC Live+ Credit Card account or if we close your HSBC Live+ Credit Card account
When your HSBC Live+ Credit Card is terminated
If we suspect, believe or otherwise know that there has been fraud or abuse in earning cashback with your HSBC Live+ Credit Card
If you breach any of the terms and conditions in the HSBC Credit Card Cardholder's Agreement

See all credit card FAQs

It's quick and easy to activate your card using the HSBC Vietnam app.

Spread the love – share and enjoy the same privileges, conveniences and rewards with your loved ones.

Refer a friend or family member and get up to VND5 million in cash rewards.

Convert your credit card purchases into flexible monthly instalments.

HSBC Live+ Credit Card

Live it up with extra cashback

Our welcome offer to you

Get up to 8% cashback on what you love

Dine

Shop

Fun

More

Live+ perks and privileges

Dine – in Vietnam and around Asia

Shop – both online and offline

Fun – both on big and small screens

Life with even more perks

Things you need to know

Who can apply?

What you need to apply

Important information and documents

Fees and charges

Card limits to take note of

Apply now

Frequently asked questions

What counts as an eligible transaction that I can earn cashback on with my HSBC Live+ Credit Card?

When will the cashback be credited to my HSBC Live+ Credit Card?

Can I use the cashback on my HSBC Live+ Credit Card to offset my credit card repayments?

When might I forfeit all the cashback I've earned on my HSBC Live+ Credit Card?

You might also be interested in

How to activate your HSBC credit card

Supplementary Card

Member-get-member offer Member-get-member offer This link will open in a new window

Spend Instalment on HSBC Vietnam app

Notes

Member-get-member offer This link will open in a new window