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HDFC PIXEL Play 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.

HDFC PIXEL Play Credit Card versus HSBC Live Plus Credit Card compared
FeatureHDFC PIXEL Play Credit CardHDFC PIXEL Play Credit CardHDFC Bank5 recent changes →
HSBC Live Plus Credit CardHSBC Live Plus Credit CardHSBC4 recent changes →
Rewards by spend
Rewards1% on most spends; 5% only at partner merchants1.5% base, up to 10% on dining
UPI payments (scan and pay)1%Earns nothing
Online shopping1%; 5% only at Chosen cashback packs, BookMyShow & Zomato, MakeMyTrip & Uber, Blinkit & Reliance Smart Bazaar, Croma & Reliance Digital, or Nykaa & Myntra; 5% only at HDFC SmartBuy, IGP, Flights, Hotels, Bus, Rail, Instant Vouchers, Apple Imagine Tresor; 3% only at One chosen e-commerce platform, Amazon, Flipkart or PayZapp10%
Dining and food delivery1%10%
Groceries1%10%
Travel: flights, hotels, trains1%1.5%
FuelsameEarns nothingEarns nothing
Bills and recharges1%10%
RentsameEarns nothingEarns nothing
Insurance premiums1%Earns nothing
School and college fees1%Earns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency1%Earns nothing
Everything else1%1.5%
Card identity
Card typeShoppingDining
NetworksameVisaVisa
Card tierEntryMid
Fees
Joining fee₹500 + GST₹999 + GST
Annual fee₹500 + GST₹999 + GST
Fee waived at₹1,00,000₹2,00,000
Eligibility
Min age21 years18 years
Max age60 years65 years
Employment type-BOTH
Min monthly salary₹25,000₹50,000
Min credit score-750
Rewards
Reward typesameCashbackCashback
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹250-
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 markup3.5%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 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
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

HDFC PIXEL Play Credit Card
Rewards a year
₹2,400
Fee a year
₹0
You keep
₹2,400
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 ₹6,300 a year ahead of HDFC PIXEL Play 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

HDFC PIXEL Play Credit Card
  • Young online shoppers
  • Food delivery and cab app users
  • People who want to pick their own reward categories
HSBC Live Plus Credit Card
  • Families with big food and grocery bills
  • Frequent Swiggy and Zomato users
  • People wanting simple cashback

Watch-Outs

HDFC PIXEL Play Credit Card
  • Rs 500 monthly cap on each bonus category
  • Bonus categories need you to set your choices
  • No lounge access
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 (HDFC PIXEL Play 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 PIXEL Play Credit Card or HSBC Live Plus Credit Card?

HDFC PIXEL Play Credit Card. HDFC PIXEL Play 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 PIXEL Play 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 PIXEL Play Credit Card 1%. 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 PIXEL Play Credit Card ₹25,000, 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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