HDFC MoneyBack+ 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 |  HDFC MoneyBack+ Credit CardHDFC Bank5 recent changes → |  HSBC Live Plus Credit CardHSBC4 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.2% on most spends; 2% only at partner merchants | 1.5% base, up to 10% on dining | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | 0.2%; 2% only at Flipkart, Amazon, Swiggy, Reliance Smart, BigBasket | 10% | |
| Dining and food delivery | 0.2% | 10% | |
| Groceries | 0.2% | 10% | |
| Travel: flights, hotels, trains | 0.2% | 1.5% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 0.2% | 10% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | 0.2% | Earns nothing | |
| School and college fees | 0.2% | Earns nothing | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government paymentssame | Earns nothing | Earns nothing | |
| Spend abroad or in a foreign currency | 0.2% | Earns nothing | |
| Everything else | 0.2% | 1.5% | |
| Card identity | |||
| Card type | Shopping | Dining | |
| Network | Mastercard | Visa | |
| Card tier | Entry | Mid | |
| Fees | |||
| Joining fee | ₹500 + GST | ₹999 + GST | |
| Annual fee | ₹500 + GST | ₹999 + GST | |
| Fee waived at | ₹50,000 | ₹2,00,000 | |
| Eligibility | |||
| Min age | 21 years | 18 years | |
| Max age | 60 years | 65 years | |
| Employment typesame | BOTH | BOTH | |
| Min monthly salary | ₹20,000 | ₹50,000 | |
| Min credit score | - | 750 | |
| Rewards | |||
| Reward type | Reward points | Cashback | |
| Point value | ₹0 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | 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% | |
| 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 Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | 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
- ₹480
- Fee a year
- ₹0
- You keep
- ₹480
- Rewards a year
- ₹8,700
- Fee a year
- ₹0
- You keep
- ₹8,700
At this spend, HSBC Live Plus Credit Card comes out ₹8,220 a year ahead of HDFC MoneyBack+ 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
- Online grocery shoppers
- Amazon and Flipkart users
- Budget-conscious first card users
- Families with big food and grocery bills
- Frequent Swiggy and Zomato users
- People wanting simple cashback
Watch-Outs
- About 0.2% on other spends
- CashPoints are worth only about 20 paise each
- Accelerated points are capped monthly
- No lounge access
- 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 (HDFC MoneyBack+ 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, HDFC MoneyBack+ Credit Card or HSBC Live Plus Credit Card?
HDFC MoneyBack+ Credit Card. HDFC MoneyBack+ Credit Card: ₹500; 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%; HDFC MoneyBack+ 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%, HDFC MoneyBack+ Credit Card 0.2%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
Which is easier to get?
By stated minimum monthly income: HDFC MoneyBack+ Credit Card ₹20,000, HSBC Live Plus Credit Card ₹50,000. Banks also weigh your credit score and existing relationship, so meeting the income is not a guarantee.
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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Guides in Plain Words
Short reads that explain how it works before you decide.
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