HSBC Live+ Credit Card VS HSBC Premier Metal Credit Card VS HSBC RuPay Cashback Credit Card VS HSBC RuPay Platinum Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
HSBC Live+ Credit Card
HSBC Premier Metal Credit Card
HSBC RuPay Cashback Credit Card
HSBC RuPay Platinum Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
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.
Offers reward points on select categories for spends up to INR 1 lakh, including gold and tax payments.
Reward points earned with the HSBC Premier Credit Card have lifetime validity.
Enjoy unlimited domestic and international lounge access for cardholders and 8 guest visits.
Benefit from a very low foreign currency markup of 0.99% on all international spends.
Pros
Key benefits and features.
Enjoy a robust 10% cashback on dining, food delivery, and grocery spends.
Benefit from 0% foreign currency markup on international transactions until July 2026.
Experience seamless and rewarding UPI payments with direct card linking.
Get complimentary access to domestic and international airport lounges quarterly/annually.
Utilize global acceptance for payments and ATMs in over 160 countries via JCB.
Pros
Key benefits and features.
Lifetime free card with no joining or annual fees, offering great value.
Seamless UPI integration allows earning rewards on everyday QR code payments.
Significant fuel surcharge waiver up to INR3,000 annually is a strong saving.
Offers global acceptance and discounts via the JCB network for international use.
Attractive welcome benefits including cashback and an EazyDiner membership.
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 eligibility criteria for an HSBC Premier banking relationship are quite high.
Benefits, despite high relationship requirement, may not match other banks' top-tier cards.
Accelerated reward earnings are capped at 18,000 Reward Points per cardholder monthly.
Cons
Key drawbacks and limitations.
Cashback earnings are capped at INR 400 per month, limiting high spenders.
Many categories like fuel, e-wallets, and utilities are excluded from cashback.
The attractive 0% foreign currency markup is only a temporary offer.
International lounge access is restricted to only two visits per year.
No explicit fuel surcharge waiver, and fuel spends don't earn cashback.
Cons
Key drawbacks and limitations.
Reward rate of 2 points per INR150 is relatively modest compared to other cards.
Lacks complimentary domestic or international airport lounge access benefits.
No specific milestone benefits mentioned for higher spending tiers.
Income eligibility criteria are relatively high for an entry-level card.
Welcome offers have specific validity periods and conditions, requiring careful tracking.