Fibe Axis Bank 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.
| Feature |  Fibe Axis Bank Credit CardAxis Bank5 recent changes → |  HSBC Live Plus Credit CardHSBC4 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1% base, up to 3% on streaming subscriptions | 1.5% base, up to 10% on dining | |
| UPI payments (scan and pay) | 1% | Earns nothing | |
| Online shopping | 1% | 10% | |
| Dining and food delivery | 1%; 3% only at Online food delivery | 10% | |
| Groceries | 1% | 10% | |
| Travel: flights, hotels, trains | 1%; 3% only at Local commute and cabs | 1.5% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 1% | 10% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiumssame | Earns nothing | Earns nothing | |
| School and college feessame | Earns nothing | Earns nothing | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government paymentssame | Earns nothing | Earns nothing | |
| Spend abroad or in a foreign currency | 1% | Earns nothing | |
| Streaming subscriptions | 3% | - | |
| Everything else | 1% | 1.5% | |
| Card identity | |||
| Card typesame | Dining | Dining | |
| Network | RuPay | Visa | |
| Card tier | Entry | Mid | |
| Fees | |||
| Joining fee | Free | ₹999 + GST | |
| Annual fee | Free | ₹999 + GST | |
| Lifetime free | Yes | No | |
| Fee waived at | - | ₹2,00,000 | |
| Eligibility | |||
| Min agesame | 18 years | 18 years | |
| Max age | 70 years | 65 years | |
| Employment typesame | BOTH | BOTH | |
| Min monthly salary | - | ₹50,000 | |
| Min credit score | - | 750 | |
| Rewards | |||
| Reward typesame | Cashback | Cashback | |
| Point valuesame | ₹1 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | No | Yes | |
| Fuel waiver cap | ₹400 | - | |
| Lounge access | |||
| Domestic lounge visits | 4 | 2 | |
| International lounge visits | 0 | 1 | |
| Lounge condition | Spend Rs 50,000 in the previous quarter for domestic lounge access | 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 | Yes | No | |
| Interest and charges | |||
| Interest rate (monthly)same | 3.75% | 3.75% | |
| Interest rate (annual)same | 45% | 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 | PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) | 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 | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹3,600
- Fee a year
- ₹0
- You keep
- ₹3,600
- 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 Fibe Axis Bank 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
- Dining only at Online food delivery: 3% back, up to ₹1,500 a month
- Travel only at Local commute and cabs: 3% back, up to ₹1,500 a month
- Anyone who wants no annual fee, ever
- Flyers: 4 airport lounge visits a year
- Families with big food and grocery bills
- Frequent Swiggy and Zomato users
- People wanting simple cashback
Watch-Outs
- Skip it if most of your spending is fuel, rent, insurance or education: those earn nothing on this card
- Skip it if you rarely spend on Online food delivery, Local commute and cabs or streaming subscriptions: the 3% rate applies only there, everything else earns 1%
- Skip it if you often pay in foreign currency: 3.5% 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
- 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 (Fibe Axis Bank 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, Fibe Axis Bank Credit Card or HSBC Live Plus Credit Card?
Fibe Axis Bank Credit Card. Fibe Axis Bank 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%; Fibe Axis Bank 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: HSBC Live Plus Credit Card 1.5%, Fibe Axis Bank Credit Card 1%. 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?
Fibe Axis Bank 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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