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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.

Features

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

Fees & Charges

Joining Fee
₹999 + GST
₹2,999 + GST
Renewal Fee
₹999 + GST
₹2,999 + GST
Spend Based Waiver
The annual fee is waived if you spend more than INR 200,000 per year.
No spend-based waiver for the annual fee.
Foreign Transaction Fees
3.5%
3.5%
Interest Rate (APR)
3.75% Per Month
3.83% per month (APR: 45.96%)

Rewards & Benefits

Welcome Bonus
INR 1,000 cashback on INR 20k spend, up to INR 500 vouchers on activation, and INR 250 Amazon eGift Voucher.
2,000 EazyPoints, 12-month EazyDiner Prime membership, and a ₹7,500 Postcard Hotel stay voucher.
Rewards Rate
10% cashback on dining, food delivery & groceries (capped at INR 1,000/month); 1.5% unlimited on others.
10 RP/₹100 on Hotel, Travel, Shopping, Entertainment; 4 RP/₹100 on others. 3X EazyPoints on EazyDiner App.
Reward Type
Cashback
Reward Points
Reward Redemption Fee
Nil
Nil

Travel & Lifestyle

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

Security & Other

Insurance Benefits
Get an insurance cover worth INR 300,000 against misuse of the card (Zero Liability Protection).
'Total Protect' covers fraudulent use up to credit limit for loss/theft/counterfeit fraud.
Cash Advance Charges
2.5% of the withdrawn amount, subject to a minimum amount of INR 500.
2.5% of withdrawn amount, minimum ₹300.
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.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.