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Credit CardsComparisons

Axis Bank ACE Credit Card vs HSBC Live+ Credit Card

A head-to-head comparison of Axis Bank ACE 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

Axis Bank ACE Credit Card

Retail & Groceries

Annual Fee
₹499
Reward Rate
1.5% Flat Cashback
Apply Now Read full review →
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

FeatureAxis BankHSBC Live+
Annual Fee₹499 (Waived on ₹2L spend)₹999 (Waived on ₹2L spend)
Reward Rate1.5% Flat Cashback10% on Dining/Groceries
Best ForRetail & GroceriesSupermarket Runs
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAxis BankHSBC Live+
Groceries
Dining
Utility bills
Everyday spending
Airport lounge access

Quick verdict

Choose Axis Bank ACE Credit Card if:

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

Choose HSBC Live+ Credit Card if:

  • You spend heavily on airport lounge access

Full pros & cons

Axis Bank ACE Credit Card

What's good
  • Uncapped 1.5% cashback on all online and offline spends
  • 5% cashback on utility bill payments via Google Pay, PhonePe, or any BBPS-enabled UPI app
  • 4% cashback on Swiggy, Zomato, and Ola
Watch out for
  • 5% and 4% cashback categories have a strict combined cap of ₹500 per month
  • Lounge access requires a heavy ₹50,000 spend in the previous quarter
  • Cashback credited only after statement generation

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