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Credit CardsComparisons

AU Altura Plus Credit Card vs HSBC Live+ Credit Card

A head-to-head comparison of AU Altura Plus Credit Card and HSBC Live+ Credit Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.

Grocery & RetailCard A

AU Altura Plus Credit Card

Everyday Retail Spends

Annual Fee
₹499
Reward Rate
1.5% POS cashback; 2 RP per ₹100 online
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Grocery & RetailCard B

HSBC Live+ Credit Card

Supermarket Runs

Annual Fee
₹999
Reward Rate
10% on Dining/Groceries
Apply Now Read full review →

Feature comparison

FeatureAU AlturaHSBC Live+
Annual Fee₹499 + taxes (Joining fee waived on ₹20K spend in 90 days; renewal waived on ₹80K annual spend)₹999 (Waived on ₹2L spend)
Reward Rate1.5% POS cashback; 2 RP per ₹100 online10% on Dining/Groceries
Best ForEveryday Retail SpendsSupermarket Runs
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAU AlturaHSBC Live+
Groceries
Fuel
Dining
Everyday spending
Airport lounge access
Fuel surcharge waiver

Quick verdict

Choose AU Altura Plus Credit Card if:

  • Lower annual fee (₹499 vs ₹999)
  • You spend heavily on everyday spending
  • You spend heavily on fuel
  • You spend heavily on fuel surcharge waiver
  • This is your first credit card

Choose HSBC Live+ Credit Card if:

  • You spend heavily on dining

Full pros & cons

AU Altura Plus Credit Card

What's good
  • 1.5% cashback on POS retail transactions, capped at ₹100 per statement cycle
  • 2 Reward Points per ₹100 on online purchases
  • 500 bonus Reward Points each month after ₹20,000 retail spends
  • 8 complimentary railway lounge visits per year
  • 1% fuel surcharge waiver on ₹400–₹5,000 transactions, up to ₹150
  • Joining fee waived after ₹20,000 spend in the first 90 days and renewal fee waived at ₹80,000 annual spend
Watch out for
  • POS cashback is capped at ₹100 per statement cycle
  • Annual fee applies unless the ₹80,000 anniversary-year spend threshold is met
  • 3.49% foreign-currency markup makes it unsuitable for international spending
  • Rewards are worth ₹0.25 per point and several payment categories may be excluded
Apply Now

HSBC Live+ Credit Card

What's good
  • Massive 10% grocery and dining multiplier
  • 1.5% unlimited cashback on all other eligible spends
  • 4 complimentary domestic lounge visits per year (1 per quarter)
Watch out for
  • 10% Cashback category is strictly capped at ₹1,000 per month
  • No international lounge access
Apply Now
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