Which card has a lower forex fee: Axis Bank My Zone Credit Card or HSBC Live+ Credit Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: Axis Bank My Zone Credit Card or HSBC Live+ Credit Card?

Axis Bank My Zone Credit Card has a lower annual fee (₹500 vs ₹999).

Which card offers better lounge access?

Axis Bank My Zone Credit Card: 1 per quarter domestic lounge. HSBC Live+ Credit Card: 1 per quarter domestic lounge.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

Axis Bank My Zone vs HSBC India Live+ Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank My Zone and the HSBC India Live+. Verify fees, lounge access, forex markup, and base rewards before you apply.

Quick comparison

Three core metrics

My Zone Axis Bank

Annual fee ₹500
Forex markup 3.5%
Domestic lounge 1/quarter Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar months

Live+ HSBC India

Annual fee ₹999 Waivable at ₹2,00,000 spend
Forex markup 3.5%
Domestic lounge 1/quarter

Reward earning explained

Per card

My Zone

2 pts / ₹100 on General spend (4 EDGE REWARD points per ₹200 (= 2/₹100). Exclud…

Live+

10% on Dining (domestic) (10% accelerated cashback on dining, food delivery and…

Pick based on what matters

2 dimensions

Start with the constraint you care about most: annual fee (Axis Bank My Zone: ₹500 vs HSBC India Live+: ₹999), forex markup (3.5% vs 3.5%), or lounge access (1/quarter vs 1/quarter).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 1 per quarter.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

HSBC Live+: ~₹750/month at base rate
My Zone: ~₹200/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	My Zone Axis Bank	Live+ HSBC India
Lounge Access
Domestic lounge visits	1/quarter	1/quarter
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹500 vs ₹999	₹500	₹999
Joining fee ₹500 vs ₹999	₹500	₹999
Fee waiver spend Only available for HSBC Live+	Not specified	₹2,00,000
Interest-free period Only available for My Zone	Up to 50 days	Not specified
Rewards
Points per ₹100 2 pts vs 1.5%	2 pts	1.5%
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for My Zone	₹0.2	Not specified

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.