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HSBC Live Plus vs Indusind Bajaj Tiger 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: 28 September 2026.

HSBC Live Plus Credit Card versus Indusind Bajaj Tiger Credit Card compared
FeatureHSBC Live Plus Credit CardHSBC Live Plus Credit CardHSBC4 recent changes →
Indusind Bajaj Tiger Credit CardIndusind Bajaj Tiger Credit CardIndusInd Bank5 recent changes →
Rewards by spend
Rewards1.5% base, up to 10% on dining0.4% on most spends
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping10%0.4%
Dining and food delivery10%0.4%
Groceries10%0.4%
Travel: flights, hotels, trains1.5%0.4%
FuelsameEarns nothingEarns nothing
Bills and recharges10%Not stated
RentEarns nothingNot stated
Insurance premiumsEarns nothingNot stated
School and college feesEarns nothingNot stated
Wallet top-upsEarns nothing0.4%
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currencyEarns nothing0.4%
Everything else1.5%0.4%
Card identity
Card typeDiningRewards
NetworksameVisaVisa
Card tiersameMidMid
Fees
Joining fee₹999 + GSTFree
Annual fee₹999 + GSTFree
Lifetime freeNoYes
Fee waived at₹2,00,000-
Eligibility
Min age18 years-
Max age65 years-
Employment typeBOTH-
Min monthly salary₹50,000-
Min credit score750-
Rewards
Reward typeCashbackReward points
Point value₹1₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Lounge access
Domestic lounge visits28
International lounge visits12
Lounge condition2 complimentary domestic lounge visits per year (one per 6 months) plus 1 international lounge visit per year from 1 September 20268 domestic (2 a quarter) + 2 international airport lounge visits a year, no spend condition is published for the Tiger, though IndusInd began spend-gating domestic lounge access on several other cards from 1 April 2026
Forex and international
Forex markup1.99%1.5%
Interest and charges
Interest rate (monthly)3.75%3.5%
Interest rate (annual)45%42%
Redemption
Redemption fee-₹100
Page content
EligibilityAge: 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 neededID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or Salary slips Photograph: Recent passport-sized photoPAN card Aadhaar / address proof Income proof (salary slips or ITR)
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

HSBC Live Plus Credit Card
Rewards a year
₹8,700
Fee a year
₹0
You keep
₹8,700
Indusind Bajaj Tiger Credit Card
Rewards a year
₹1,524
Fee a year
₹0
You keep
₹1,524

At this spend, HSBC Live Plus Credit Card comes out ₹7,176 a year ahead of Indusind Bajaj Tiger 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

HSBC Live Plus Credit Card
  • Families with big food and grocery bills
  • Frequent Swiggy and Zomato users
  • People wanting simple cashback
Indusind Bajaj Tiger Credit Card
  • Occasional flyers who want free lounges
  • International travellers
  • Golfers on a budget
  • People who want perks without a fee

Watch-Outs

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
Indusind Bajaj Tiger Credit Card
  • Base rewards are worth only about 0.4%
  • Only 2 international lounge visits a year

Card data sourced via CardAdvisor.in (HSBC Live Plus Credit Card, Indusind Bajaj Tiger Credit Card), 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 Indusind Bajaj Tiger Credit Card?

Indusind Bajaj Tiger Credit Card. Indusind Bajaj Tiger 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?

Indusind Bajaj Tiger Credit Card has the lowest forex markup. Indusind Bajaj Tiger Credit Card: 1.5%; HSBC Live Plus Credit Card: 1.99%. 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%, Indusind Bajaj Tiger Credit Card 0.4%. 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?

HSBC Live Plus Credit Card: 2 domestic lounge visits a year; Indusind Bajaj Tiger Credit Card: 8 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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