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HSBC Live Plus vs YES Bank Elite+ 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 YES Bank Elite+ Credit Card compared
FeatureHSBC Live Plus Credit CardHSBC Live Plus Credit CardHSBC4 recent changes →
YES Bank Elite+ Credit CardYES Bank Elite+ Credit CardYes Bank5 recent changes →
Rewards by spend
Rewards1.5% base, up to 10% on dining0.6% base, up to 1.2% on online shopping
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping10%1.2%
Dining and food delivery10%0.6%
Groceries10%0.6%
Travel: flights, hotels, trains1.5%0.6%
FuelsameEarns nothingEarns nothing
Bills and recharges10%0.4%
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 nothing0.6%
Everything else1.5%0.6%
Card identity
Card typeDiningShopping
NetworkVisaMastercard
Card tiersameMidMid
Fees
Joining feesame₹999 + GST₹999 + GST
Annual feesame₹999 + GST₹999 + GST
Fee waived atsame₹2,00,000₹2,00,000
Eligibility
Min age18 years21 years
Max age65 years60 years
Employment typeBOTH-
Min monthly salary₹50,000₹1,00,000
Min credit score750-
Rewards
Reward typeCashbackReward points
Point value₹1₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap-₹125
Lounge access
Domestic lounge visits28
International lounge visits13
Lounge condition2 complimentary domestic lounge visits per year (one per 6 months) plus 1 international lounge visit per year from 1 September 2026Spend Rs 50,000 in the previous quarter for domestic lounge access
Forex and international
Forex markup1.99%3%
Interest and charges
Interest rate (monthly)3.75%3.99%
Interest rate (annual)45%47.88%
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 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
YES Bank Elite+ Credit Card
Rewards a year
₹1,800
Fee a year
₹0
You keep
₹1,800

At this spend, HSBC Live Plus Credit Card comes out ₹6,900 a year ahead of YES Bank Elite+ 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
YES Bank Elite+ Credit Card
  • Travellers wanting lounges at a moderate fee
  • Online shoppers

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
YES Bank Elite+ Credit Card
  • Monthly cap on online rewards
  • Needs an income of about ₹1 lakh a month

Card data sourced via CardAdvisor.in (HSBC Live Plus Credit Card, YES Bank Elite+ 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 YES Bank Elite+ Credit Card?

They charge the same annual fee. HSBC Live Plus Credit Card: ₹999; YES Bank Elite+ Credit Card: ₹999.

Which is better for spending abroad?

HSBC Live Plus Credit Card has the lowest forex markup. HSBC Live Plus Credit Card: 1.99%; YES Bank Elite+ Credit Card: 3%. 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%, YES Bank Elite+ Credit Card 0.6%. 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; YES Bank Elite+ 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.

Which is easier to get?

By stated minimum monthly income: HSBC Live Plus Credit Card ₹50,000, YES Bank Elite+ 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.

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