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HSBC Live Plus vs OneCard 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 OneCard Credit Card compared
FeatureHSBC Live Plus Credit CardHSBC Live Plus Credit CardHSBC4 recent changes →
OneCard Credit CardOneCard Credit CardBank of Baroda5 recent changes →
Rewards by spend
Rewards1.5% base, up to 10% on dining0.2% base, up to 1% on online shopping
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping10%1%
Dining and food delivery10%0.2%
Groceries10%0.2%
Travel: flights, hotels, trains1.5%0.2%
FuelsameEarns nothingEarns nothing
Bills and recharges10%Earns nothing
RentsameEarns nothingEarns nothing
Insurance premiumsEarns nothing0.2%
School and college feesEarns nothing0.2%
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currencyEarns nothing0.2%
Everything else1.5%0.2%
Card identity
Card typeDiningShopping
NetworksameVisaVisa
Card tiersameMidMid
Fees
Joining fee₹999 + GSTFree
Annual fee₹999 + GSTFree
Lifetime freeNoYes
Fee waived at₹2,00,000-
Eligibility
Min agesame18 years18 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 waiverYesNo
Fuel waiver cap-₹400
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%1%
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
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 photo-
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
OneCard Credit Card
Rewards a year
₹960
Fee a year
₹0
You keep
₹960

At this spend, HSBC Live Plus Credit Card comes out ₹7,740 a year ahead of OneCard 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
OneCard Credit Card
  • Online shopping: 1% back
  • Anyone who wants no annual fee, ever
  • Spending abroad: 1% markup, most cards add 3.5%

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
OneCard Credit Card
  • Skip it if most of your spending is fuel, utility bills, rent or wallet top-ups: those earn nothing on this card
  • Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
  • Skip it if you spend a lot on government payments: the card's terms do not state a rate there, so we count nothing
  • Skip it if you rarely spend on online shopping: the 1% rate applies only there, everything else earns 0.2%

Card data sourced via CardAdvisor.in (HSBC Live Plus Credit Card, OneCard 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 OneCard Credit Card?

OneCard Credit Card. OneCard 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?

OneCard Credit Card has the lowest forex markup. OneCard Credit Card: 1%; 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%, OneCard Credit Card 0.2%. 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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