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AU Kosmo 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 Kosmo Credit Card versus HSBC Live Plus Credit Card compared
FeatureAU Kosmo Credit CardAU Kosmo Credit CardAU Small Finance Bank4 recent changes →
HSBC Live Plus Credit CardHSBC Live Plus Credit CardHSBC4 recent changes →
Rewards by spend
Rewards1.5% on most spends1.5% base, up to 10% on dining
UPI payments (scan and pay)1.5%Earns nothing
Online shopping1.5%10%
Dining and food delivery1.5%10%
Groceries1.5%10%
Travel: flights, hotels, trainssame1.5%1.5%
FuelsameEarns nothingEarns nothing
Bills and recharges1.5%10%
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college feessameEarns nothingEarns nothing
Wallet top-ups1.5%Earns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency1.5%Earns nothing
Everything elsesame1.5%1.5%
Card identity
Card typeCashbackDining
NetworkRuPayVisa
Card tierEntryMid
Fees
Joining feeFree₹999 + GST
Annual feeFree₹999 + GST
Lifetime freeYesNo
Fee waived at-₹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 typesameCashbackCashback
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹100-
Lounge access
Domestic lounge visits-2
International lounge visits-1
Lounge condition-2 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%
UPI rewards
Works on UPIYesNo
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
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Worth in Rupees at ₹20,000 a Month

AU Kosmo Credit Card
Rewards a year
₹3,600
Fee a year
₹0
You keep
₹3,600
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 ₹5,100 a year ahead of AU Kosmo 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 Kosmo Credit Card
  • Anyone who wants no annual fee, ever
HSBC Live Plus Credit Card
  • Families with big food and grocery bills
  • Frequent Swiggy and Zomato users
  • People wanting simple cashback

Watch-Outs

AU Kosmo Credit Card
  • Skip it if most of your spending is fuel, rent, insurance or education: those earn nothing on this card
  • Skip it if you often pay in foreign currency: 3.49% is added to every foreign spend
  • Skip it if you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
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 Kosmo 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 Kosmo Credit Card or HSBC Live Plus Credit Card?

AU Kosmo Credit Card. AU Kosmo Credit Card: no annual fee; HSBC Live Plus Credit Card: ₹999. 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 Kosmo 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: AU Kosmo Credit Card 1.5%, HSBC Live Plus Credit Card 1.5%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

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.

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