Skip to main content
Credit CardsComparisons

HDFC MoneyBack+ vs HSBC Live+ Credit Card

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

Grocery & RetailCard A

HDFC MoneyBack+

Entry-Level Online

Annual Fee
₹500
Reward Rate
10X CashPoints on partners
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

FeatureHDFC MoneyBack+HSBC Live+
Annual Fee₹500 (Waived on ₹50K spend)₹999 (Waived on ₹2L spend)
Reward Rate10X CashPoints on partners10% on Dining/Groceries
Best ForEntry-Level OnlineSupermarket Runs
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryHDFC MoneyBack+HSBC Live+
Online shopping
Groceries
Dining
Everyday spending
Airport lounge access

Quick verdict

Choose HDFC MoneyBack+ if:

  • Lower annual fee (₹500 vs ₹999)
  • You spend heavily on everyday spending
  • You spend heavily on online shopping
  • This is your first credit card

Choose HSBC Live+ Credit Card if:

  • You spend heavily on dining
  • You spend heavily on airport lounge access

Full pros & cons

HDFC MoneyBack+

What's good
  • Quarterly milestone benefits on reaching spend targets
  • Low income eligibility criteria
  • Easy EMI conversion on purchases above ₹2,500
Watch out for
  • Points value is relatively low (1 Point = ₹0.25)
  • No complimentary lounge access
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
Browse all cards·Try the card recommender →