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AU Ananta vs HSBC Live Plus Credit Card Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

AU Ananta Credit Card versus HSBC Live Plus Credit Card compared
FeatureAU Ananta Credit CardAU Ananta Credit CardAU Small Finance Bank3 recent changes →
HSBC Live Plus Credit CardHSBC Live Plus Credit CardHSBC4 recent changes →
Rewards by spend
Rewards0.5% base, up to 1.25% on dining1.5% base, up to 10% on dining
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping1.25%10%
Dining and food delivery1.25%10%
Groceries0.5%10%
Travel: flights, hotels, trains1.25%1.5%
FuelsameEarns nothingEarns nothing
Bills and recharges0.25%10%
RentsameEarns nothingEarns nothing
Insurance premiums0.25%Earns nothing
School and college feessameEarns nothingEarns nothing
Wallet top-ups0.5%Earns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency0.5%Earns nothing
Everything else0.5%1.5%
Card identity
Card typesameDiningDining
NetworksameVisaVisa
Card tiersameMidMid
Fees
Joining fee₹2,000 + GST₹999 + GST
Annual fee₹2,000 + GST₹999 + GST
Fee waived at₹3,00,000₹2,00,000
Eligibility
Min age21 years18 years
Max agesame65 years65 years
Employment typesameBOTHBOTH
Min monthly salary-₹50,000
Min credit score-750
Rewards
Reward typeReward pointsCashback
Point value₹0₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹200-
Lounge access
Domestic lounge visits162
International lounge visits01
Lounge condition4 complimentary domestic airport lounge visits per calendar quarter, unlocked by booking a ₹5,000+ flight via AU Rewardz that quarter2 complimentary domestic lounge visits per year (one per 6 months) plus 1 international lounge visit per year from 1 September 2026
Forex and international
Forex markup3.49%1.99%
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Page content
Eligibility-Age: 21 to 65 years Employment: Salaried and Self Employed Salaried Income: Rs 50000/monthly Self Employed: ITR > Rs 12,00,000/annually Credit Score: 750+
Documents neededPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or Salary slips Photograph: Recent passport-sized photo
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

AU Ananta Credit Card
Rewards a year
₹1,656
Fee a year
- ₹2,360
You keep
- ₹704
HSBC Live Plus Credit Card
Rewards a year
₹8,700
Fee a year
₹0
You keep
₹8,700

At this spend, HSBC Live Plus Credit Card comes out ₹9,404 a year ahead of AU Ananta Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

AU Ananta Credit Card
  • Salaried users earning Rs 25,000 a month or more
  • Heavy online shoppers and diners
  • People who spend Rs 3 lakh or more a year on one card
  • Occasional domestic flyers who book through the bank portal
HSBC Live Plus Credit Card
  • Families with big food and grocery bills
  • Frequent Swiggy and Zomato users
  • People wanting simple cashback

Watch-Outs

AU Ananta Credit Card
  • 5X earning is capped at 5,000 points a statement, shared across all three categories
  • Lounge visits need a Rs 5,000 flight booking on AU Rewardz that quarter
  • No points on fuel, rent, education, government payments, EMIs or bill payments via BBPS
  • 3.49% forex markup makes it poor for foreign spends
HSBC Live Plus Credit Card
  • 10% categories share one Rs 1,200 monthly cap
  • No cashback on fuel, rent, insurance, education, wallets or EMIs
  • No cashback on international spends
  • Lounge visits cut to just 2 domestic a year

Card data sourced via CardAdvisor.in (AU Ananta Credit Card, HSBC Live Plus Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, AU Ananta Credit Card or HSBC Live Plus Credit Card?

HSBC Live Plus Credit Card. HSBC Live Plus Credit Card: ₹999; AU Ananta Credit Card: ₹2,000. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

HSBC Live Plus Credit Card has the lowest forex markup. HSBC Live Plus Credit Card: 1.99%; AU Ananta Credit Card: 3.49%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: HSBC Live Plus Credit Card 1.5%, AU Ananta Credit Card 0.5%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Which gives airport lounge access?

AU Ananta Credit Card: 16 domestic lounge visits a year; HSBC Live Plus Credit Card: 2 domestic lounge visits a year. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

Work Out the Numbers

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