HSBC Live Plus Credit Card vs Federal Scapia Credit card vs Kiwi Credit Cards 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 |  HSBC Live Plus Credit CardHSBC4 recent changes → |  Federal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes → |  Kiwi Credit CardsKiwi, issued by AU Small Finance Bank5 recent changes → |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1.5% base, up to 10% on dining | 2% on most spends; 4% only at partner merchants | 1% base, up to 1.5% on UPI payments |
| UPI payments (scan and pay) | Earns nothing | 2% | 1.5% |
| Online shopping | 10% | 2% | 1% |
| Dining and food delivery | 10% | 2% | 1% |
| Groceries | 10% | 2% | 1% |
| Travel: flights, hotels, trains | 1.5% | 2%; 4% only at Scapia app | 1% |
| Fuelsame | Earns nothing | Earns nothing | Earns nothing |
| Bills and recharges | 10% | Earns nothing | Earns nothing |
| Rentsame | Earns nothing | Earns nothing | Earns nothing |
| Insurance premiumssame | Earns nothing | Earns nothing | Earns nothing |
| School and college fees | Earns nothing | 2% | Earns nothing |
| Wallet top-ups | Earns nothing | 2% | Earns nothing |
| Taxes and government payments | Earns nothing | Not stated | Earns nothing |
| Spend abroad or in a foreign currency | Earns nothing | 2% | 1% |
| Everything else | 1.5% | 2% | 1% |
| Card identity | |||
| Card type | Dining | Travel | Cashback |
| Network | Visa | Visa | RuPay |
| Card tier | Mid | Mid | Entry |
| Fees | |||
| Joining fee | ₹999 + GST | Free | Free |
| Annual fee | ₹999 + GST | Free | Free |
| Lifetime free | No | Yes | Yes |
| First year free | No | No | Yes |
| Fee waived at | ₹2,00,000 | - | - |
| Eligibility | |||
| Min age | 18 years | - | 22 years |
| Max age | 65 years | - | 55 years |
| Employment typesame | BOTH | BOTH | BOTH |
| Min monthly salary | ₹50,000 | - | - |
| Min credit score | 750 | 730 | 720 |
| Rewards | |||
| Reward type | Cashback | Reward points | Cashback |
| Point value | ₹1 | ₹0 | ₹1 |
| Fuel surcharge | |||
| Fuel surcharge waiver | Yes | No | No |
| Fuel waiver cap | - | - | ₹250 |
| Lounge access | |||
| Domestic lounge visits | 2 | 0 | - |
| Domestic lounge unlimited | No | Yes | No |
| International lounge visits | 1 | 0 | - |
| Lounge condition | 2 complimentary domestic lounge visits per year (one per 6 months) plus 1 international lounge visit per year from 1 September 2026 | 20,000+ Per Month | - |
| Forex and international | |||
| Forex markup | 1.99% | None | 3.5% |
| UPI rewards | |||
| Works on UPI | No | Yes | Yes |
| Interest and charges | |||
| Interest rate (monthly) | 3.75% | 3.75% | 3.99% |
| Interest rate (annual) | 45% | 45% | 47.88% |
| Redemption | |||
| Redemption method | - | Vouchers, Air miles | Bank transfer |
| Redemption fee | - | - | ₹0 |
| 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+ | Age: 21 to 65 years Min. income: ₹25,000/mo Employment: Salaried · Self-employed · Student | Age: 18 to 65 years Min. income: ₹15,000/mo Employment: Salaried · Self-employed |
| 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 | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) |
| Apply | Apply Now | Apply Now | Apply Now |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹8,700
- Fee a year
- ₹0
- You keep
- ₹8,700
- Rewards a year
- ₹4,800
- Fee a year
- ₹0
- You keep
- ₹4,800
- Rewards a year
- ₹2,700
- Fee a year
- ₹0
- You keep
- ₹2,700
At this spend, HSBC Live Plus Credit Card comes out ₹3,900 a year ahead of Federal Scapia 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
- Families with big food and grocery bills
- Frequent Swiggy and Zomato users
- People wanting simple cashback
- International travellers
- People who book trips online
- Anyone wanting a free card with 0% forex fee
- First-time credit card users
- People who pay mostly by UPI QR codes
- Anyone wanting a free card to build a credit score
Watch-Outs
- 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
- Coins redeem only for travel in the Scapia app
- No coins on fuel, insurance, utilities or rent
- Lounge access needs Rs 20,000 spend each month
- Headline 5% needs the paid Neon plan and big spends
- Only about 0.5% on non-UPI online spends
- Kiwis redeem only in blocks of 500 (Rs 125)
- 3.5% forex fee makes it poor abroad
Card data sourced via CardAdvisor.in (HSBC Live Plus Credit Card, Federal Scapia Credit card, Kiwi Credit Cards), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, HSBC Live Plus Credit Card or Federal Scapia Credit card or Kiwi Credit Cards?
Federal Scapia Credit card. Federal Scapia Credit card: no annual fee; Kiwi Credit Cards: 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?
Federal Scapia Credit card has the lowest forex markup. Federal Scapia Credit card: 0%; HSBC Live Plus Credit Card: 1.99%; Kiwi Credit Cards: 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: Federal Scapia Credit card 2%, HSBC Live Plus Credit Card 1.5%, Kiwi Credit Cards 1%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
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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