IndusInd Bank Pinnacle vs HSBC Live Plus 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.
| Feature |  IndusInd Bank Pinnacle Credit CardIndusInd Bank5 recent changes → |  HSBC Live Plus Credit CardHSBC4 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.75% base, up to 1.88% on online shopping | 1.5% base, up to 10% on dining | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | 1.88% | 10% | |
| Dining and food delivery | 0.75% | 10% | |
| Groceries | 0.75% | 10% | |
| Travel: flights, hotels, trains | 1.13% | 1.5% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 0.53% | 10% | |
| Rent | 0.75% | Earns nothing | |
| Insurance premiums | 0.53% | Earns nothing | |
| School and college fees | 0.53% | Earns nothing | |
| Wallet top-ups | 0.75% | Earns nothing | |
| Taxes and government payments | 0.53% | Earns nothing | |
| Spend abroad or in a foreign currency | 0.75% | Earns nothing | |
| Everything else | 0.75% | 1.5% | |
| Card identity | |||
| Card type | Shopping | Dining | |
| Network | Mastercard | Visa | |
| Card tier | Super premium | Mid | |
| Fees | |||
| Joining fee | ₹15,000 + GST | ₹999 + GST | |
| Annual fee | Free | ₹999 + GST | |
| Fee waived at | - | ₹2,00,000 | |
| Eligibility | |||
| Min age | - | 18 years | |
| Max age | - | 65 years | |
| Employment typesame | BOTH | BOTH | |
| Min monthly salary | ₹83,333 | ₹50,000 | |
| Min credit score | - | 750 | |
| Rewards | |||
| Reward type | Reward points | Cashback | |
| Point valuesame | ₹1 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Lounge access | |||
| Domestic lounge visits | 4 | 2 | |
| International lounge visits | 4 | 1 | |
| Lounge programme | PRIORITY_PASS | - | |
| Priority Pass | Yes | No | |
| Lounge condition | Spend Rs 150,000 in the previous quarter for domestic lounge access | 2 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 markup | 3.5% | 1.99% | |
| Interest and charges | |||
| Interest rate (monthly) | 3.83% | 3.75% | |
| Interest rate (annual) | 45.96% | 45% | |
| Redemption | |||
| Redemption fee | ₹100 | - | |
| Page content | |||
| Eligibility | - | Age: 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 needed | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | ID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or Salary slips Photograph: Recent passport-sized photo | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹2,484
- Fee a year
- ₹0
- You keep
- ₹2,484
- Rewards a year
- ₹8,700
- Fee a year
- ₹0
- You keep
- ₹8,700
At this spend, HSBC Live Plus Credit Card comes out ₹6,216 a year ahead of IndusInd Bank Pinnacle 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
- Heavy online shoppers
- Golfers
- High earners with Rs 83,000+ monthly income
- People who prefer a one-time fee
- Families with big food and grocery bills
- Frequent Swiggy and Zomato users
- People wanting simple cashback
Watch-Outs
- Rs 15,000 upfront cost
- Domestic lounge visit needs Rs 1.5 lakh spend in the previous quarter
- Reduced points on utilities, insurance, education and government payments, none on fuel
- 3.5% forex markup
- 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
Card data sourced via CardAdvisor.in (IndusInd Bank Pinnacle Credit Card, HSBC Live Plus Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, IndusInd Bank Pinnacle Credit Card or HSBC Live Plus Credit Card?
IndusInd Bank Pinnacle Credit Card. IndusInd Bank Pinnacle 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?
HSBC Live Plus Credit Card has the lowest forex markup. HSBC Live Plus Credit Card: 1.99%; IndusInd Bank Pinnacle 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%, IndusInd Bank Pinnacle Credit Card 0.75%. 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?
IndusInd Bank Pinnacle Credit Card: 4 domestic lounge visits a year; HSBC Live Plus Credit Card: 2 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, IndusInd Bank Pinnacle Credit Card ₹83,333. 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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Guides in Plain Words
Short reads that explain how it works before you decide.
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