HSBC Live+ Credit Card No Annual Fees for Life Promo 2026

Get Waived Annual Fees for 3 Years with an HSBC Live+ Credit Card

HSBC Live+ Credit Card

It's finally here: Enjoy no annual fees for life when you apply for an HSBC Live+ Credit Card, spend at least PHP60,000 anywhere within 60 days from card approval date and register to the HSBC Philippines app1.

Promo period: August 1 to 31, 2026

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    Get up to 8% cashback on dining spend and up to 5% cashback on shopping and entertainment spend2.

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    And earn 5% cashback when you book flights and hotels with your HSBC Live+ Credit Card. Just spend at least PHP 10,000 every month3.

To apply, you'll need to have:

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    A minimum annual income of PHP400,000

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    A locally-issued primary credit card from another bank for at least 6 months

More information

Terms and Conditions apply.
Promo period: 01 to 31 August 2026
Per DTI Fair Trade Permit No. FTEB-264027 Series of 2026.

  1. This offer is open to individuals with a new primary HSBC Credit Card who have no existing nor cancelled HSBC Credit Card in the last 15 months from the application date. Search for 'HSBC Philippines' on the App Store or Google Play to download the app. Credit Card must be activated before registration.
  2. HSBC Live+ Credit Card has a monthly cap of PHP 1,250 cashback on dining, shopping and entertainment, plus a monthly cap of PHP 600 on Caltex rebate amounting to a combined PHP 22,200 per year. T&C apply.
  3. Minimum accumulated spend of PHP10,000 per month is required to earn higher cashback on our HSBC Live+ Credit Card. Subject to a rebate cap of PHP1,250 per month. HSBC Live+ Rewards Programme T&C apply.

Cardholders who applied under this promo are not allowed to choose a different HSBC credit card welcome rewards at any point of the application or approval process. All HSBC credit card applications shall be subject to HSBC's final credit card approval and credit card terms and conditions.

The Hongkong and Shanghai Banking Corporation Limited is regulated by the Bangko Sentral ng Pilipinas https://www.bsp.gov.ph