- Annual fee ₹500 Waivable at ₹50,000 spend
- Forex markup 3.5%
- Domestic lounge No complimentary lounge access
Pairwise comparison
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HDFC Bank MoneyBack Plus vs HSBC India Live+ Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the HDFC Bank MoneyBack Plus and the HSBC India Live+. Verify fees, lounge access, forex markup, and base rewards before you apply.
Lounge HSBC India Live+
Quick comparison
Three core metrics- Annual fee ₹999 Waivable at ₹2,00,000 spend
- Forex markup 3.5%
- Domestic lounge 1/quarter
Reward earning explained
Per card10 CashPoints / ₹100 on Amazon (domestic) (10X CashPoints on select merchants.)…
10% on Dining (domestic) (10% accelerated cashback on dining, food delivery and…
Pick based on what matters
2 dimensionsStart with the constraint you care about most: annual fee (HDFC Bank MoneyBack Plus: ₹500 vs HSBC India Live+: ₹999), forex markup (3.5% vs 3.5%), or lounge access (No complimentary lounge access vs 1/quarter).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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Lounge access HSBC India Live+ wins HSBC India Live+ is better for lounge access
HSBC India Live+ is stronger here. Domestic lounge access is 1 per quarter.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- HSBC Live+: ~₹750/month at base rate
- MoneyBack Plus: ~₹170/month at base rate
Illustrative only, using current base rates before caps.
Swipe for all fields
| Field | MoneyBack Plus HDFC Bank | Live+ HSBC India |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits No complimentary lounge access vs 1/quarter | No complimentary lounge access | 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 ₹50,000 vs ₹2,00,000 | ₹50,000 | ₹2,00,000 |
| Interest-free period Only available for MoneyBack Plus | Up to 50 days | Not specified |
| Rewards | ||
| Reward points (base spend) 2 pts/₹150 vs 1.5% | 2 pts/₹150 | 1.5% |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for MoneyBack Plus | ₹0.25 | Not specified |
| Point validity Only available for MoneyBack Plus | 2 years | Not specified |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.