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HSBC Live+ Credit Card VS EazyDiner IndusInd Bank Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 3 May 2026

Both HSBC Live+ Credit Card and EazyDiner IndusInd Bank Credit Card suit dining-focused spenders, but they earn and cost differently. HSBC Live+ Credit Card costs ₹999 + GST and earns 10% cashback on dining, food delivery & groceries (capped at INR 1,000/month); 1.5% unlimited on others. EazyDiner IndusInd Bank Credit Card costs ₹2,999 + GST and earns 10 RP/₹100 on Hotel, Travel, Shopping, Entertainment; 4 RP/₹100 on others. 3X EazyPoints on EazyDiner App. HSBC Live+ Credit Card also brings enjoy 4 complimentary domestic airport lounge visits per year, with a limit of one visit per quarter, while EazyDiner IndusInd Bank Credit Card counters with 'Total Protect' covers fraudulent use up to credit limit for loss/theft/counterfeit fraud. Weigh the fee against the reward rate above to see which fits your spending pattern better.

HSBC Live+ Credit Card
HSBC Live+ Credit Card
EazyDiner IndusInd Bank Credit Card
EazyDiner IndusInd Bank Credit Card

Fees & Charges

Joining Fee₹999 + GST
Joining Fee₹2,999 + GST
Renewal Fee₹999 + GST
Renewal Fee₹2,999 + GST
Spend Based WaiverThe annual fee is waived if you spend more than INR 200,000 per year.
Spend Based WaiverNo spend-based waiver for the annual fee.
Foreign Transaction Fees3.5%
Foreign Transaction Fees3.5%
Interest Rate (APR)3.75% Per Month
Interest Rate (APR)3.83% per month (APR: 45.96%)

Rewards & Benefits

Welcome BonusINR 1,000 cashback on INR 20k spend, up to INR 500 vouchers on activation, and INR 250 Amazon eGift Voucher.
Welcome Bonus2,000 EazyPoints, 12-month EazyDiner Prime membership, and a ₹7,500 Postcard Hotel stay voucher.
Rewards Rate10% cashback on dining, food delivery & groceries (capped at INR 1,000/month); 1.5% unlimited on others.
Rewards Rate10 RP/₹100 on Hotel, Travel, Shopping, Entertainment; 4 RP/₹100 on others. 3X EazyPoints on EazyDiner App.
Reward TypeCashback
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge AccessEnjoy 4 complimentary domestic airport lounge visits per year, with a limit of one visit per quarter.
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel BenefitsComplimentary domestic flight seat selections (2/year) & 15% cashback on MakeMyTrip hotel stays.
Travel Benefits₹7,500 Postcard Hotel stay voucher. EazyPoints redeemable for free luxury hotel stays.
Movie BenefitsBuy 2 Get 1 Free on BookMyShow (max INR 250), 1.5% cashback on entertainment, BOGO via District app.
Movie Benefits10 Reward Points per ₹100 on Entertainment spends.
Dining Benefits10% cashback on dining/food delivery (capped), 15% off on EazyDiner, 10% off via District app.
Dining BenefitsComplimentary EazyDiner Prime, 25-50% off at 2000+ restaurants, extra 25% off via EazyDiner App.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge is applicable.
Fuel Surcharge Waiver1% waiver on ₹500-₹3,000 transactions, capped at ₹250/cycle. GST applicable.

Security & Other

Insurance BenefitsGet an insurance cover worth INR 300,000 against misuse of the card (Zero Liability Protection).
Insurance Benefits'Total Protect' covers fraudulent use up to credit limit for loss/theft/counterfeit fraud.
Cash Advance Charges2.5% of the withdrawn amount, subject to a minimum amount of INR 500.
Cash Advance Charges2.5% of withdrawn amount, minimum ₹300.
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HSBC Live+ Credit Card

EazyDiner IndusInd Bank Credit Card

Who is it for?

The HSBC Live+ Credit Card is a mid-range cashback card ideal for daily essentials and entertainment. It offers 10% cashback on dining, food delivery, and groceries (capped monthly), plus 1.5% unlimited cashback on most other spends. Cardholders also enjoy valuable lifestyle perks like complimentary domestic airport lounge access and a free Times Prime subscription. This card provides substantial savings and convenience through its straightforward, automatic cashback system, making it perfect for those who prioritize hassle-free rewards on everyday spending.

Who is it for?

The EazyDiner IndusInd Signature Credit Card is a premium dining and lifestyle card designed for frequent diners, travelers, and shoppers. It offers substantial dining discounts, valuable welcome and renewal benefits including a complimentary EazyDiner Prime membership and a Postcard Hotel stay voucher. With accelerated reward points on select spending categories, this card provides significant value, especially for those who regularly use the EazyDiner platform and seek luxury travel experiences.

Pros

Key benefits and features.

High cashback rates: 10% on dining, food delivery, and groceries, and 1.5% unlimited on most other spends.

Cashback is automatically credited to the card account, simplifying the redemption process.

Complimentary domestic airport lounge access (4 visits annually) enhances travel convenience.

Valuable lifestyle benefits such as a free 12-month Times Prime subscription and movie offers.

Annual fee waiver on achieving a reasonable spend milestone (INR 200,000 per year).

Pros

Key benefits and features.

Significant dining discounts and benefits, including a complimentary EazyDiner Prime membership.

Valuable welcome and renewal benefits, including a Postcard Hotel stay voucher.

Accelerated reward points on key lifestyle categories like travel, shopping, and entertainment.

Comprehensive fraud protection with the 'Total Protect' program.

Complimentary premium alcoholic beverages at select restaurants.

Cons

Key drawbacks and limitations.

The 10% accelerated cashback is capped at INR 1,000 per month, limiting high spenders.

Several transaction categories are explicitly excluded from cashback earnings like fuel and utilities.

A foreign currency markup of 3.5% makes it less competitive for international transactions.

A 1% fuel surcharge is applicable, reducing savings on fuel purchases.

Eligibility criteria include specific income and city residency requirements, limiting accessibility.

Cons

Key drawbacks and limitations.

The card comes with relatively high joining and annual fees.

Dining discounts are limited to EazyDiner App payments at select restaurants.

No reward points are earned on dining transactions.

The card does not offer any complimentary lounge access or golf benefits.

Reward points earned with this card have an expiry period of one year.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for HSBC Live+ Credit Card(opens in new tab)Apply for EazyDiner IndusInd Bank Credit Card(opens in new tab)