Skip to main content

HSBC Live+ Credit Card VS Swiggy HDFC 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
Swiggy HDFC Bank Credit Card
Swiggy HDFC Bank Credit Card

Fees & Charges

Joining Fee
₹999 + GST
₹500 + GST
Renewal Fee
₹999 + GST
₹500 + GST
Spend Based Waiver
The annual fee is waived if you spend more than INR 200,000 per year.
Renewal fee waived off on spending ₹2,00,000 or more in the preceding year.
Foreign Transaction Fees
3.5%
3.5% + GST
Interest Rate (APR)
3.75% Per Month
3.75% per month or 45% per annum

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.
Complimentary Swiggy One Membership for 3 months upon card activation.
Rewards Rate
10% cashback on dining, food delivery & groceries (capped at INR 1,000/month); 1.5% unlimited on others.
10% on Swiggy, 5% on online spends, and 1% on other categories.
Reward Type
Cashback
Cashback
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.
Not Applicable - The Swiggy HDFC Bank Credit Card does not offer complimentary domestic lounge access.
International Lounge Access
Not Applicable - The Swiggy HDFC Bank Credit Card does not offer complimentary international lounge access.
Travel Benefits
Complimentary domestic flight seat selections (2/year) & 15% cashback on MakeMyTrip hotel stays.
Get up to 12% off on Agoda bookings and other Mastercard World Tier travel privileges.
Movie Benefits
Buy 2 Get 1 Free on BookMyShow (max INR 250), 1.5% cashback on entertainment, BOGO via District app.
Earn 5% cashback on online spends, including BookMyShow, making movie outings more rewarding.
Dining Benefits
10% cashback on dining/food delivery (capped), 15% off on EazyDiner, 10% off via District app.
Enjoy 10% cashback on Swiggy (Food, Instamart, Dineout, Genie) and 5% on online dining.
Golf Benefits
Access 12 free golf lessons and 4 complimentary rounds annually with this Mastercard.
Fuel Surcharge Waiver
1% fuel surcharge is applicable.
Not Applicable

Security & Other

Insurance Benefits
Get an insurance cover worth INR 300,000 against misuse of the card (Zero Liability Protection).
Benefit from Zero Lost Card Liability, ensuring protection against fraudulent transactions.
Cash Advance Charges
2.5% of the withdrawn amount, subject to a minimum amount of INR 500.
2.5% of the advanced amount or ₹500, whichever is higher.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HSBC Live+ Credit Card

Swiggy HDFC 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 Swiggy HDFC Bank Credit Card is a popular co-branded cashback card, ideal for frequent Swiggy users and online shoppers. It offers significant benefits, including 10% cashback on Swiggy spends, 5% on other online transactions, and a complimentary 3-month Swiggy One membership. With a low annual fee that can be waived, and Mastercard World Tier benefits like golf privileges, it provides substantial annual savings for those whose spending habits align with its rewards structure.

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.

Excellent cashback structure with 10% on Swiggy and 5% on select online platforms.

Complimentary 3-month Swiggy One membership worth ₹1199 as a valuable welcome benefit.

Significant annual savings potential, possibly amounting to ₹42,000 for frequent users.

Mastercard World Tier benefits, including exclusive golf privileges and travel discounts.

Low standard annual fee of ₹500 + GST, often waived based on annual spending.

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.

Lacks complimentary airport lounge access, a common perk available with many other credit cards.

Cashback caps (₹1,500/billing cycle) might limit maximum benefits for very high spenders.

Several exclusions apply to cashback, including gift cards and grocery purchases online.

Primary benefits are largely restricted to Swiggy and selected online merchants, not universal.

Ready to Choose?

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