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HSBC Live+ Credit Card VS HSBC RuPay Cashback 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: 30 July 2026

Both HSBC RuPay Cashback Credit Card and HSBC Live+ Credit Card suit dining-focused spenders, but they earn and cost differently. HSBC RuPay Cashback Credit Card costs ₹499 + GST and earns 10% cashback on dining, food delivery, groceries; 1% on others. Monthly cap of INR 400. 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. HSBC RuPay Cashback Credit Card also brings up to 2 complimentary domestic airport lounge visits per quarter, while HSBC Live+ Credit Card counters with enjoy 4 complimentary domestic airport lounge visits per year, with a limit of one visit per quarter. Weigh the fee against the reward rate above to see which fits your spending pattern better.

HSBC Live+ Credit Card
HSBC Live+ Credit Card
HSBC RuPay Cashback Credit Card
HSBC RuPay Cashback Credit Card

Fees & Charges

Joining Fee₹999 + GST
Joining Fee₹499 + GST
Renewal Fee₹999 + GST
Renewal Fee₹499 + GST
Spend Based WaiverThe annual fee is waived if you spend more than INR 200,000 per year.
Spend Based WaiverWaived on annual spend of ₹200,000.
Foreign Transaction Fees3.5%
Foreign Transaction Fees0% on transactions until July 31, 2026.
Interest Rate (APR)3.75% Per Month
Interest Rate (APR)

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 BonusINR 500 cashback, INR 250 Amazon eGift Voucher, 2-months EazyDiner membership, and INR 250 UPI cashback.
Rewards Rate10% cashback on dining, food delivery & groceries (capped at INR 1,000/month); 1.5% unlimited on others.
Rewards Rate10% cashback on dining, food delivery, groceries; 1% on others. Monthly cap of INR 400.
Reward TypeCashback
Reward TypeCashback
Reward Redemption FeeNil
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge AccessEnjoy 4 complimentary domestic airport lounge visits per year, with a limit of one visit per quarter.
Domestic Lounge AccessUp to 2 complimentary domestic airport lounge visits per quarter.
International Lounge Access
International Lounge AccessUp to 2 complimentary international airport lounge visits per year.
Travel BenefitsComplimentary domestic flight seat selections (2/year) & 15% cashback on MakeMyTrip hotel stays.
Travel BenefitsDiscounts up to INR 6,000 on flights and hotels via Cleartrip.
Movie BenefitsBuy 2 Get 1 Free on BookMyShow (max INR 250), 1.5% cashback on entertainment, BOGO via District app.
Movie Benefits
Dining Benefits10% cashback on dining/food delivery (capped), 15% off on EazyDiner, 10% off via District app.
Dining Benefits10% cashback on dining/food delivery, 2-months EazyDiner membership, and exclusive RuPay/JCB discounts.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge is applicable.
Fuel Surcharge Waiver

Security & Other

Insurance BenefitsGet an insurance cover worth INR 300,000 against misuse of the card (Zero Liability Protection).
Insurance Benefits
Cash Advance Charges2.5% of the withdrawn amount, subject to a minimum amount of INR 500.
Cash Advance Charges
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HSBC Live+ Credit Card

HSBC RuPay Cashback 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 HSBC RuPay Cashback Credit Card is a mid-range credit card designed for everyday spending, offering significant cashback benefits and seamless integration with the RuPay network for UPI payments. It provides a compelling value proposition with 0% foreign currency markup for a limited period, complimentary airport lounge access, and a robust cashback program across popular spending categories like dining, food delivery, and groceries. The card also leverages the JCB network for international transactions, making it versatile for global use, ideal for users seeking strong rewards on daily expenses and travel perks.

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.

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.

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.

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.

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 HSBC RuPay Cashback Credit Card(opens in new tab)