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HSBC Live Plus 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.

HSBC Live Plus Credit Card versus Kiwi Credit Cards compared
FeatureHSBC Live Plus Credit CardHSBC Live Plus Credit CardHSBC4 recent changes →
Kiwi Credit CardsKiwi Credit CardsKiwi, issued by AU Small Finance Bank5 recent changes →
Rewards by spend
Rewards1.5% base, up to 10% on dining1% base, up to 1.5% on UPI payments
UPI payments (scan and pay)Earns nothing1.5%
Online shopping10%1%
Dining and food delivery10%1%
Groceries10%1%
Travel: flights, hotels, trains1.5%1%
FuelsameEarns nothingEarns nothing
Bills and recharges10%Earns nothing
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college feessameEarns nothingEarns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currencyEarns nothing1%
Everything else1.5%1%
Card identity
Card typeDiningCashback
NetworkVisaRuPay
Card tierMidEntry
Fees
Joining fee₹999 + GSTFree
Annual fee₹999 + GSTFree
Lifetime freeNoYes
First year freeNoYes
Fee waived at₹2,00,000-
Eligibility
Min age18 years22 years
Max age65 years55 years
Employment typesameBOTHBOTH
Min monthly salary₹50,000-
Min credit score750720
Rewards
Reward typesameCashbackCashback
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiverYesNo
Fuel waiver cap-₹250
Lounge access
Domestic lounge visits2-
International lounge visits1-
Lounge condition2 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 markup1.99%3.5%
UPI rewards
Works on UPINoYes
Interest and charges
Interest rate (monthly)3.75%3.99%
Interest rate (annual)45%47.88%
Redemption
Redemption method-Bank transfer
Redemption fee-₹0
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+Age: 18 to 65 years Min. income: ₹15,000/mo Employment: Salaried · Self-employed
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 / valid address proof Income proof, salary slips (salaried) or ITR (self-employed)
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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
Kiwi Credit Cards
Rewards a year
₹2,700
Fee a year
₹0
You keep
₹2,700

At this spend, HSBC Live Plus Credit Card comes out ₹6,000 a year ahead of Kiwi Credit Cards. 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
Kiwi Credit Cards
  • 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

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
Kiwi Credit Cards
  • 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, 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 Kiwi Credit Cards?

Kiwi Credit Cards. 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?

HSBC Live Plus Credit Card has the lowest forex markup. 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: 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.

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