RuPay Cashback Credit Card
Rs 499Annual fee
Rs 2,00,000Fee waiver spend
8Domestic lounge
Domestic lounge conditions
- 8 complimentary domestic lounge visits per year (max 2 per calendar quarter).
- 2 complimentary international lounge visits per calendar year.
3.5%Forex markup
Best for
Rupay, UPI, Cashback, Dining, Grocery
Top rewards
Dining, Food Delivery, And Grocery Spends: 10% Cashback; Other Spends: 1% Cashback
Live+ Credit Card
Rs 999Annual fee
Rs 2,00,000Fee waiver spend
2Domestic lounge
Domestic lounge conditions
- 2 complimentary domestic airport lounge visits per year from 26 July 2026, based on reported HSBC cardholder communication.
- 1 complimentary international airport lounge visit per year from 1 September 2026, based on reported HSBC cardholder communication.
1.99%Forex markup
Best for
Dining, Food Delivery, Grocery, Shopping, Utilities, Cashback, Lounge
Top rewards
Food, Dining, Grocery, Shopping, And Utility Spends: 10% Cashback; Eligible Contactless Fuel Spends: 2.5% Cashback; Other Spends: 1.5% Cashback
| Feature | RuPay Cashback Credit Card | Live+ Credit Card |
|---|---|---|
| Issuer | HSBC Bank | HSBC Bank |
| Network | RuPay | Visa |
| Joining fee | Rs 499 | Rs 999 |
| Annual fee | Rs 499 | Rs 999 |
| Fee waiver spend | Rs 2,00,000 | Rs 2,00,000 |
| Reward type | Cashback | Cashback |
| Best for | Rupay, UPI, Cashback, Dining, Grocery | Dining, Food Delivery, Grocery, Shopping, Utilities, Cashback, Lounge |
| Top reward categories | Dining, Food Delivery, And Grocery Spends: 10% Cashback; Other Spends: 1% Cashback | Food, Dining, Grocery, Shopping, And Utility Spends: 10% Cashback; Eligible Contactless Fuel Spends: 2.5% Cashback; Other Spends: 1.5% Cashback |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 8 | 2 |
| International lounge | 2 | 1 |
| Forex markup | 3.5% | 1.99% |
| Milestone benefits | Not Listed | Not Listed |
| Redemption | Statement credit: upto ₹ 1 per point | Statement credit: upto ₹ 1 per point |
| Key exclusions | Utility bill payments, Fuel-related transactions, Rental payments and commissions, Insurance premium payments, EMI transactions, Government-related payments | International spends, Hospital spends, Local transportation spends, Rental payments and commissions, Insurance premium payments, EMI transactions |