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AU Xcite Ace 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 Xcite Ace Credit Card versus HSBC Live Plus Credit Card compared
FeatureAU Xcite Ace Credit CardAU Xcite Ace Credit CardAU Small Finance Bank5 recent changes →
HSBC Live Plus Credit CardHSBC Live Plus Credit CardHSBC4 recent changes →
Rewards by spend
Rewards2% on most spends1.5% base, up to 10% on dining
UPI payments (scan and pay)2%Earns nothing
Online shopping2%10%
Dining and food delivery2%10%
Groceries2%10%
Travel: flights, hotels, trains2%1.5%
FuelsameEarns nothingEarns nothing
Bills and recharges2%10%
RentsameEarns nothingEarns nothing
Insurance premiums2%Earns nothing
School and college feessameEarns nothingEarns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency2%Earns nothing
Everything else2%1.5%
Card identity
Card typeCashbackDining
NetworkRuPayVisa
Card tiersameMidMid
Fees
Joining fee₹749 + GST₹999 + GST
Annual fee₹749 + GST₹999 + GST
Fee waived atsame₹2,00,000₹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 typesameCashbackCashback
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹100-
Lounge access
Domestic lounge visits82
International lounge visits01
Railway lounge visits8-
Lounge conditionSpend Rs 50,000 in the previous quarter for domestic lounge access2 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 Xcite Ace Credit Card
Rewards a year
₹4,800
Fee a year
₹0
You keep
₹4,800
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 ₹3,900 a year ahead of AU Xcite Ace 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 Xcite Ace Credit Card
  • Spending ₹16,667 or more a month: the ₹884 fee is waived
  • Flyers: 8 airport lounge visits a year
HSBC Live Plus Credit Card
  • Families with big food and grocery bills
  • Frequent Swiggy and Zomato users
  • People wanting simple cashback

Watch-Outs

AU Xcite Ace Credit Card
  • Skip it if you spend less than ₹16,667 a month (₹2,00,000 a year, rent and wallet loads not counted): the ₹884 fee is then charged
  • Skip it if most of your spending is fuel, rent, education or wallet top-ups: 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 Xcite Ace 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 Xcite Ace Credit Card or HSBC Live Plus Credit Card?

AU Xcite Ace Credit Card. AU Xcite Ace Credit Card: ₹749; 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 Xcite Ace 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 Xcite Ace Credit Card 2%, 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.

Which gives airport lounge access?

AU Xcite Ace Credit Card: 8 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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