Axis Bank Freecharge Plus Credit Card
Rs 350Annual fee
Rs 50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
freecharge, cashback, local commute, dining, low fee
Top rewards
Freecharge app spends: 5% Cashback on bill payments and recharges via Freecharge app; Local commute spends: 2% Cashback on local commute spends (Ola, Uber, etc.); Other eligible retail spends: 1% Cashback on other eligible spends
HSBC Live+ Credit Card
Rs 999Annual fee
Rs 2,00,000Fee waiver spend
4Domestic lounge
Domestic lounge conditions
- 4 complimentary domestic airport lounge visits per year (1 per calendar quarter).
3.5%Forex markup
Best for
dining, food delivery, grocery, cashback, lounge
Top rewards
Dining, Food Delivery, and Grocery spends: 10% Cashback; Other spends: 1.5% Cashback
| Feature | Axis Bank Freecharge Plus Credit Card | HSBC Live+ Credit Card |
|---|---|---|
| Issuer | Axis Bank | HSBC Bank |
| Network | Visa | Visa |
| Joining fee | Rs 350 | Rs 999 |
| Annual fee | Rs 350 | Rs 999 |
| Fee waiver spend | Rs 50,000 | Rs 2,00,000 |
| Reward type | cashback | cashback |
| Best for | freecharge, cashback, local commute, dining, low fee | dining, food delivery, grocery, cashback, lounge |
| Top reward categories | Freecharge app spends: 5% Cashback on bill payments and recharges via Freecharge app; Local commute spends: 2% Cashback on local commute spends (Ola, Uber, etc.); Other eligible retail spends: 1% Cashback on other eligible spends | Dining, Food Delivery, and Grocery spends: 10% Cashback; Other spends: 1.5% Cashback |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 0 | 4 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Annual fee waived on spends of Rs 50,000 in the preceding card anniversary year, excluding rent and wallet load transactions | Not listed |
| Redemption | Statement credit: upto Rs 1 per point | Statement credit: upto Rs 1 per point |
| Key exclusions | Fuel transactions, Rent payments, E-wallet loading transactions, Insurance premium payments, Utilities and telecom spends made outside Freecharge app, Government services spends | Utility bill payments, Fuel-related transactions, Rental payments and commissions, Insurance premium payments, EMI transactions, Government-related payments |