- Annual fee ₹500 Waivable at ₹2,00,000 spend
- Forex markup 3.5%
- Domestic lounge No complimentary lounge access
Pairwise comparison
Compare 3+ cards →
HDFC Bank Swiggy vs HSBC India Live+ Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the HDFC Bank Swiggy and the HSBC India Live+. Verify fees, lounge access, forex markup, and base rewards before you apply.
Lounge HSBC India Live+ Rewards HSBC India Live+
Quick comparison
Three core metrics- Annual fee ₹999 Waivable at ₹2,00,000 spend
- Forex markup 3.5%
- Domestic lounge 4/year (1 per quarter)
Reward earning explained
Per card1% · Up to 10% on Swiggy
Limited data1.5% · Up to 10% on Dining
Limited dataPick based on what matters
3 dimensionsStart with the constraint you care about most: annual fee (HDFC Bank Swiggy: ₹500 vs HSBC India Live+: ₹999), forex markup (3.5% vs 3.5%), or lounge access (No complimentary lounge access vs 4/year (1 per 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.
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Rewards HSBC India Live+ wins HSBC India Live+ is better for rewards
HSBC India Live+ is stronger here. HSBC India Live+ conservative base value ~1.5% vs HDFC Bank Swiggy's ~1%.
HDFC Bank Swiggy
Confidence: Low (limited information available)
Verify with issuer , opens external siteHSBC India Live+
Confidence: Low (limited information available)
Verify with issuer , opens external siteAll fields
Example usage at this monthly spend
At ₹50k/month spend:
- HSBC Live+: ~₹750/month at base rate
- Swiggy HDFC Bank: ~₹500/month at base rate
Illustrative only, using current base rates before caps.
Swipe for all fields
| Field | Swiggy HDFC Bank | Live+ HSBC India |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits No complimentary lounge access vs 4/year (1 per quarter) | No complimentary lounge access | 4/year (1 per 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 | ₹2,00,000 | ₹2,00,000 |
| Interest-free period Only available for Swiggy HDFC Bank | Up to 50 days | Not specified |
| Rewards | ||
| Base cashback 1% vs 1.5% | 1% | 1.5% |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Swiggy HDFC Bank | ₹1 | Not specified |
| Point validity Only available for Swiggy HDFC Bank | 2 years | Not specified |
Notes
- Some data has low confidence — verify with the issuer before relying on it.
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.