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
RBL Bank Platinum Maxima Plus Credit Card
Rs 2,500Annual fee
8Domestic lounge
Domestic lounge conditions
- 2 complimentary visits per quarter, unlocked by spending ₹35,000 or more in the previous calendar quarter
3.5%Forex markup
Best for
dining, grocery, entertainment, lounge
Top rewards
Dining, grocery, and international spends: 10 Reward Points / Rs 100 spent; Other eligible retail spends: 2 Reward Points / Rs 100 spent
| Feature | HSBC Live+ Credit Card | RBL Bank Platinum Maxima Plus Credit Card |
|---|---|---|
| Issuer | HSBC Bank | RBL Bank |
| Network | Visa | Visa |
| Joining fee | Rs 999 | Rs 2,500 |
| Annual fee | Rs 999 | Rs 2,500 |
| Fee waiver spend | Rs 2,00,000 | - |
| Reward type | cashback | reward points |
| Best for | dining, food delivery, grocery, cashback, lounge | dining, grocery, entertainment, lounge |
| Top reward categories | Dining, Food Delivery, and Grocery spends: 10% Cashback; Other spends: 1.5% Cashback | Dining, grocery, and international spends: 10 Reward Points / Rs 100 spent; Other eligible retail spends: 2 Reward Points / Rs 100 spent |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 4 | 8 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not listed | Earn 10,000 bonus reward points on annual spends of ₹2 Lakhs, Earn additional 10,000 bonus points on annual spends of ₹3.5 Lakhs, Earn additional 10,000 bonus points on annual spends of ₹5 Lakhs |
| Redemption | Statement credit: upto Rs 1 per point | Not listed |
| Key exclusions | Utility bill payments, Fuel-related transactions, Rental payments and commissions, Insurance premium payments, EMI transactions, Government-related payments | Fuel transactions, Utility bill payments, Insurance spends, Rent and real estate payments, Education payments, Wallet loading |