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HSBC Live Plus vs Marriott Bonvoy HDFC Bank 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.

HSBC Live Plus Credit Card versus Marriott Bonvoy HDFC Bank Credit Card compared
FeatureHSBC Live Plus Credit CardHSBC Live Plus Credit CardHSBC4 recent changes →
Marriott Bonvoy HDFC Bank Credit CardMarriott Bonvoy HDFC Bank Credit CardHDFC Bank5 recent changes →
Rewards by spend
Rewards1.5% base, up to 10% on dining0.8% base, up to 1.6% on dining
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping10%0.8%
Dining and food delivery10%1.6%
Groceries10%0.8%
Travel: flights, hotels, trains1.5%1.6%
FuelsameEarns nothingEarns nothing
Bills and recharges10%0.8%
RentsameEarns nothingEarns nothing
Insurance premiumsEarns nothing0.8%
School and college feesEarns nothing0.8%
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currencyEarns nothing0.8%
Everything else1.5%0.8%
Card identity
Card typesameDiningDining
NetworkVisaDiners Club
Card tierMidPremium
Fees
Joining fee₹999 + GST₹3,000 + GST
Annual fee₹999 + GST₹3,000 + GST
Fee waived at₹2,00,000-
Eligibility
Min age18 years21 years
Max age65 years60 years
Employment typesameBOTHBOTH
Min monthly salary₹50,000₹1,00,000
Min credit score750-
Rewards
Reward typeCashbackHotel points
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiverYesNo
Lounge access
Domestic lounge visits212
International lounge visits112
Lounge condition2 complimentary domestic lounge visits per year (one per 6 months) plus 1 international lounge visit per year from 1 September 202612 domestic and 12 international airport lounge visits a year, with no spend condition
Forex and international
Forex markup1.99%3.5%
Interest and charges
Interest rate (monthly)3.75%3.6%
Interest rate (annual)45%43.2%
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
Marriott Bonvoy HDFC Bank Credit Card
Rewards a year
₹2,400
Fee a year
- ₹3,540
You keep
- ₹1,140

At this spend, HSBC Live Plus Credit Card comes out ₹9,840 a year ahead of Marriott Bonvoy HDFC Bank 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
Marriott Bonvoy HDFC Bank Credit Card
  • Regular Marriott hotel guests
  • Travellers who value hotel status
  • Frequent flyers who want lounge access

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
Marriott Bonvoy HDFC Bank Credit Card
  • Fee is charged every year with no waiver
  • Points are only useful within Marriott Bonvoy
  • About 0.8% back on everyday spends
  • Grocery rewards are capped each month

Card data sourced via CardAdvisor.in (HSBC Live Plus Credit Card, Marriott Bonvoy HDFC Bank 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 Marriott Bonvoy HDFC Bank Credit Card?

HSBC Live Plus Credit Card. HSBC Live Plus Credit Card: ₹999; Marriott Bonvoy HDFC Bank Credit Card: ₹3,000. 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%; Marriott Bonvoy HDFC Bank 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%, Marriott Bonvoy HDFC Bank Credit Card 0.8%. 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; Marriott Bonvoy HDFC Bank Credit Card: 12 domestic lounge visits a year. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.

Which is easier to get?

By stated minimum monthly income: HSBC Live Plus Credit Card ₹50,000, Marriott Bonvoy HDFC Bank Credit Card ₹1,00,000. 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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