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

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

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

HDFC Bank PIXEL Play Credit Card has a lower annual fee (₹500 vs ₹999).

Which card offers better lounge access?

HDFC Bank PIXEL Play Credit Card: No complimentary lounge access. 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 PIXEL Play vs HSBC India Live+ Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the HDFC Bank PIXEL Play 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

PIXEL Play HDFC Bank

Annual fee ₹500 Waivable at ₹1,00,000 spend
Forex markup 3.5%
Domestic lounge No complimentary lounge access

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

PIXEL Play

5% on Selected categories (domestic) + 3% on Ecommerce Platform

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 PIXEL Play: ₹500 vs HSBC India Live+: ₹999), forex markup (3.5% vs 3.5%), or lounge access (No complimentary lounge access vs 1/quarter).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
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.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

HSBC Live+: ~₹750/month at base rate
PIXEL Play: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	PIXEL Play 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 ₹1,00,000 vs ₹2,00,000	₹1,00,000	₹2,00,000
Interest-free period Only available for PIXEL Play	Up to 50 days	Not specified
Rewards
Base cashback 1% vs 1.5%	1%	1.5%
Point validity Only available for PIXEL Play	2 years	Not specified

Notes

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