Equitas Selfe Credit Card
Rs 1,000Annual fee
Rs 2,40,000Fee waiver spend
4Domestic lounge
Domestic lounge conditions
- 1 complimentary domestic airport lounge access per calendar quarter (4 per year).
3.5%Forex markup
Best for
dining, grocery, online, lifestyle
Top rewards
2 chosen accelerated categories: apparel, dining, grocery, utility, or taxi: 10 Reward Points / Rs 100 spent (on 2 chosen categories); All other retail spends: 2 Reward Points / Rs 100 spent
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 | Equitas Selfe Credit Card | HSBC Live+ Credit Card |
|---|---|---|
| Issuer | Equitas Small Finance Bank | HSBC Bank |
| Network | Visa, RuPay | Visa |
| Joining fee | Rs 1,000 | Rs 999 |
| Annual fee | Rs 1,000 | Rs 999 |
| Fee waiver spend | Rs 2,40,000 | Rs 2,00,000 |
| Reward type | reward points | cashback |
| Best for | dining, grocery, online, lifestyle | dining, food delivery, grocery, cashback, lounge |
| Top reward categories | 2 chosen accelerated categories: apparel, dining, grocery, utility, or taxi: 10 Reward Points / Rs 100 spent (on 2 chosen categories); All other retail spends: 2 Reward Points / Rs 100 spent | Dining, Food Delivery, and Grocery spends: 10% Cashback; Other spends: 1.5% Cashback |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 4 | 4 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not listed | Not listed |
| Redemption | Not listed | Statement credit: upto Rs 1 per point |
| Key exclusions | Fuel transactions (surcharge waiver only, no reward points), Cash advance transactions, EMI conversion transactions, Wallet loading transactions, Rent payments, Government spends & tax payments | Utility bill payments, Fuel-related transactions, Rental payments and commissions, Insurance premium payments, EMI transactions, Government-related payments |