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Credit card · Visa · Cashback

HSBC Live+ Credit Card

by HSBC Philippines

Visa networkCashback card

Quick take

Main benefit

Cash back. You earn money back on what you spend — no points to convert.

Main catch

The yearly fee returns after the first year (₱5,000) unless the bank waives it.

Income needed

₱33,333/mo The bank does the final check.

Annual fee

₱5,000/yr Waived for the first year.

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Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.

Is this card for you?

Good fit if
  • You want simple rewards without tracking categories.
  • You pay your balance in full each month to avoid interest.
Look elsewhere if
  • You'd rather earn travel points or airline miles.
  • You expect to carry a balance from month to month.
  • You want the highest rewards rate on the market.

The numbers

Earn ratepercent on dining
Annual fee₱5,000/yr
Interest if unpaid3.00% / month
Late payment fee₱1,500
Foreign currency markup2.50%
›More fees and details
Cash advance fee₱200
Over-limit fee₱800
Effective annual interestStill being checked with the bank
Fee waiverFirst year waived for new-to-bank clients. No ongoing spend-based waiver disclosed.

The catch

  • The yearly fee returns after the first year (₱5,000) unless the bank waives it.
  • Interest is steep if you don't pay in full — about 3.00% a month.

Ready to decide?

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Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.

You'll finish on HSBC's official site. Truva doesn't collect your application or see your details.
›What you'll need before you start
  • One valid government ID— passport, driver's license, UMID, or PhilSys.
  • Proof of income — a recent payslip, your latest ITR, or a COE with salary.
  • Proof of billing address — a utility bill or a bank statement.
  • 10–15 minutes to fill out HSBC's application form.
From HSBC's official page · Checked May 27, 2026

Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.

Apply on HSBCCompare