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Axis Bank 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.

Axis Bank ACE Credit Card versus HSBC Live Plus Credit Card compared
FeatureAxis Bank ACE Credit CardAxis Bank ACE Credit CardAxis Bank5 recent changes →
HSBC Live Plus Credit CardHSBC Live Plus Credit CardHSBC4 recent changes →
Rewards by spend
Rewards1.5% on most spends; 5% only at partner merchants1.5% base, up to 10% on dining
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping1.5%10%
Dining and food delivery1.5%; 4% only at Swiggy, Zomato, Ola10%
Groceries1.5%10%
Travel: flights, hotels, trainssame1.5%1.5%
FuelsameEarns nothingEarns nothing
Bills and recharges1.5%; 5% only at Google Pay10%
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college feessameEarns nothingEarns nothing
Wallet top-upssameEarns nothingEarns 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 typeUtility billsDining
NetworksameVisaVisa
Card tierEntryMid
Fees
Joining fee₹499 + GST₹999 + GST
Annual fee₹499 + GST₹999 + GST
Fee waived atsame₹2,00,000₹2,00,000
Eligibility
Min age-18 years
Max age-65 years
Employment typesameBOTHBOTH
Min monthly salary-₹50,000
Min credit score-750
Rewards
Reward typesameCashbackCashback
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiverNoYes
Fuel waiver cap₹500-
Lounge access
Domestic lounge visits42
International lounge visits01
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 markup3.5%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
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Worth in Rupees at ₹20,000 a Month

Axis Bank ACE 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 Axis Bank 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

Axis Bank ACE Credit Card
  • Salaried users paying bills online
  • Food delivery and cab users
  • First-time card users
  • People who prefer cashback
HSBC Live Plus Credit Card
  • Families with big food and grocery bills
  • Frequent Swiggy and Zomato users
  • People wanting simple cashback

Watch-Outs

Axis Bank ACE Credit Card
  • Bill and food cashback capped monthly
  • Bill cashback only via Google Pay
  • 3.5% forex markup
  • Lounge visits are spend-linked
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 (Axis Bank 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, Axis Bank ACE Credit Card or HSBC Live Plus Credit Card?

Axis Bank ACE Credit Card. Axis Bank ACE Credit Card: ₹499; 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%; Axis Bank ACE Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: Axis Bank ACE 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.

Which gives airport lounge access?

Axis Bank ACE Credit Card: 4 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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