AU Zaggle 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 Zaggle Credit Card versus HSBC Live Plus Credit Card compared
Feature	AU Zaggle Credit CardAU Small Finance Bank	HSBC Live Plus Credit CardHSBC4 recent changes →
Rewards by spend
Rewards	Rewards not published	1.5% base, up to 10% on dining
UPI payments (scan and pay)	Not stated	Earns nothing
Online shopping	Not stated	10%
Dining and food delivery	Not stated	10%
Groceries	Not stated	10%
Travel: flights, hotels, trains	Not stated	1.5%
Fuel	Not stated	Earns nothing
Bills and recharges	Not stated	10%
Rent	Not stated	Earns nothing
Insurance premiums	Not stated	Earns nothing
School and college fees	Not stated	Earns nothing
Wallet top-ups	Not stated	Earns nothing
Taxes and government payments	Not stated	Earns nothing
Spend abroad or in a foreign currency	Not stated	Earns nothing
Everything else	Not stated	1.5%
Card identity
Card type	Shopping	Dining
Network	Visa, RuPay	Visa
Card tier	-	Mid
Fees
Joining fee	Free	₹999 + GST
Annual fee	Free	₹999 + GST
Lifetime free	Yes	No
Fee waived at	-	₹2,00,000
Eligibility
Min age	21 years	18 years
Max age	60 years	65 years
Employment type	-	BOTH
Min monthly salary	-	₹50,000
Min credit score	-	750
Rewards
Reward typesame	Cashback	Cashback
Point value	-	₹1
Fuel surcharge
Fuel surcharge waiver	No	Yes
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 markup	3.5%	1.99%
UPI rewards
Works on UPI	-	No
Interest and charges
Interest rate (monthly)	-	3.75%
Interest rate (annual)	-	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 needed	-	ID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or Salary slips Photograph: Recent passport-sized photo
Apply	Apply Now	Apply Now

Best For

AU Zaggle Credit Card

UPI-first users
First-time card users
People wanting a free everyday card

HSBC Live Plus Credit Card

Families with big food and grocery bills
Frequent Swiggy and Zomato users
People wanting simple cashback

Watch-Outs

AU Zaggle Credit Card

Coin value depends on redemption options
No lounge benefits
3.5% forex fee

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, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

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

AU Zaggle Credit Card. AU Zaggle 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 Zaggle Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

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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