Which card has a lower forex fee: HDFC Millennia Credit Card or HSBC Live+ Credit Card?

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

Which card has a lower annual fee: HDFC Millennia Credit Card or HSBC Live+ Credit Card?

HSBC Live+ Credit Card has a lower annual fee (₹999 vs ₹1,000).

Which card offers better lounge access?

HDFC Millennia 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 →

HDFC Bank Millennia vs HSBC India Live+ Credit Cards – Fees, Lounge, Forex

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

Quick comparison

Three core metrics

Millennia HDFC Bank

Annual fee ₹1,000 Waivable at ₹1,00,000 spend
Forex markup 3.5%
Domestic lounge 1/quarter Conditional · Domestic: 1/quarter · requires ₹1,00,000 spend in the previous calendar quarter

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

Millennia

5% on Amazon (domestic) (CashBack valid only for non-emi spends) + 5% on BookMy…

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 (HDFC Bank Millennia: ₹1,000 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
Millennia: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Millennia HDFC 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 ₹1,000 vs ₹999	₹1,000	₹999
Joining fee ₹1,000 vs ₹999	₹1,000	₹999
Fee waiver spend ₹1,00,000 vs ₹2,00,000	₹1,00,000	₹2,00,000
Interest-free period Only available for Millennia	Up to 50 days	Not specified
Rewards
Base cashback 1% vs 1.5%	1%	1.5%
Point value (headline channel) Issuer headline rate at the travel/SmartBuy channel — not the lowest redemption option. Only available for Millennia	₹0.3	Not specified
Point validity Only available for Millennia	2 years	Not specified

Notes

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