Can I access HSBC Live+ Or Is It Off Limits?

[Nivedita]

As a solopreneur, am I even eligible for HSBC Live+, or is it still strictly for salaried individuals? Is saving Amazon vouchers for LIC still the best choice after the 2026 reward cuts, or are there better ways to use direct payments now?

[Siddarth]

Yes, you are eligible for HSBC Live+, but the annual income should be ₹12 lakh or more, and the age range is between 25 and 65.

The best choices I would suggest are the IDFC FIRST LIC Credit Card or the LIC Axis Bank Card for direct payments, as post-April reward redemptions require more points, reducing the Amazon voucher value for LIC premiums. These cards offer superior, uncapped value specifically for insurance premiums.