Which card has a lower forex fee: Tata Neu Infinity HDFC Bank Credit Card or HSBC Live+ Credit Card?

HSBC Live+ Credit Card has lower forex markup (1.99% vs 2%).

Which card has a lower annual fee: Tata Neu Infinity HDFC Bank Credit Card or HSBC Live+ Credit Card?

HSBC Live+ Credit Card has a lower annual fee (₹999 annual fee vs ₹1,499 annual fee).

Which card offers better lounge access?

Tata Neu Infinity HDFC Bank Credit Card: 2 per quarter domestic lounge. HSBC Live+ Credit Card: 2 domestic + 1 international lounge visits/year.

Which card has a higher base reward rate?

Both cards have similar conservative base reward value (~1.5%).

Pairwise comparison Compare 3+ cards →

HDFC Bank Tata Neu Infinity RuPay vs HSBC India Live+ Credit Cards – Fees, Lounge, Forex

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

Tata Neu Infinity RuPay

Live+

The short answer

Verdict

Pick Tata Neu Infinity RuPay for lounge access and upi.

Head-to-head

Three core metrics

Annual fee

Tata Neu Infinity RuPay ₹1,499 Waivable at ₹3,00,000 or more spend

Live+ ₹999 Waivable at ₹2,00,000 spend

Live+ saves ₹500/yr
Forex markup

Tata Neu Infinity RuPay 2%

Live+ 1.99%

Live+ saves ~₹10 per ₹1L abroad
Domestic lounge

Tata Neu Infinity RuPay 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the calendar quarter

Live+ 2/year

Tata Neu Infinity RuPay: +6 lounge visits/yr

Reward earning explained

Per card

Tata Neu Infinity RuPay

1.5 NeuCoins / ₹100 · 5 NeuCoins/₹100 on eligible bigBasket, croma, cult.fit, and tata CLiQ

Strong data

Live+

1.5% · 10% on eligible dining, food delivery, grocery, and utilities

Strong data

Pick based on what matters

5 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank Tata Neu Infinity RuPay: ₹1,499 vs HSBC India Live+: ₹999), forex markup (2% vs 1.99%), or lounge access (8/year (2 per quarter) vs 2/year).

Travel Tie

Both cards are similar for travel

Forex markup is 2%. Forex markup is 1.99%.
Forex markup Tie

Both cards are similar for forex

Forex markup is 2%. Forex markup is 1.99%.
Lounge access HDFC Bank Tata Neu Infinity RuPay wins

HDFC Bank Tata Neu Infinity RuPay is better for lounge access

HDFC Bank Tata Neu Infinity RuPay is stronger here. Domestic lounge access is 2 per quarter.
Rewards Tie

Both cards are similar for rewards

HDFC Bank Tata Neu Infinity RuPay conservative base value ~1.5% vs HSBC India Live+'s ~1.5%. HSBC India Live+ conservative base value ~1.5% vs HDFC Bank Tata Neu Infinity RuPay's ~1.5%.
upi HDFC Bank Tata Neu Infinity RuPay wins

HDFC Bank Tata Neu Infinity RuPay is better for UPI usage

HDFC Bank Tata Neu Infinity RuPay is stronger here. Supports UPI via RuPay network.

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Tata Neu Infinity HDFC Bank: ~₹750/month at base rate
HSBC Live+: ~₹750/month at base rate

Illustrative only, using current base rates before caps.

Field	Tata Neu Infinity RuPay HDFC Bank	Live+ HSBC India
Insurance — Air accident cover Only available for Tata Neu Infinity HDFC Bank	₹1 crore	Not specified
Insurance — Emergency medical cover Only available for Tata Neu Infinity HDFC Bank	₹15 lakh	Not specified
Insurance — Lost card liability cover Only available for Tata Neu Infinity HDFC Bank	₹9 lakh	Not specified
Insurance — Underwriter Only available for Tata Neu Infinity HDFC Bank	Insured by HDFC ERGO General Insurance Company Limited	Not specified
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats 8/year (2 per quarter) vs 2/year	8/year (2 per quarter)	2/year
International lounge visits Not included vs 1 per year	No international lounge access	1 per year
Forex / International Use
Forex markup Same forex; compare fee and lounge rows. 2% vs 1.99%	2%	1.99%
Fees
Recurring annual fee ₹1,499 vs ₹999	₹1,499	₹999
First-year cost Only available for Tata Neu Infinity HDFC Bank	₹1,499	Not specified
Annual-fee waiver ₹3,00,000 or more vs ₹2,00,000	₹3,00,000 or more	₹2,00,000
Interest-free period Only available for Tata Neu Infinity HDFC Bank	Up to 50 days	Not specified
Monthly interest rate	3.75% / month	3.75% / month
Late-payment charge Only available for Tata Neu Infinity HDFC Bank	₹100–₹1,300 depending on outstanding balance	Not specified
Fuel benefit Only available for Tata Neu Infinity HDFC Bank	1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap	Not specified
Rewards
Base earn Some reward lanes are unsupported — base rate only for comparison. 1.5 NeuCoins / ₹100 vs 1.5%	1.5 NeuCoins / ₹100	1.5%
Conservative base value	~1.5%	~1.5%
Earn ceiling 2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend vs ₹1,200 per month — shared across Dining, Food delivery, Grocery, Shopping & Utilities	2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend	₹1,200 per month — shared across Dining, Food delivery, Grocery, Shopping & Utilities
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Tata Neu Infinity HDFC Bank	₹1	Not specified
Point validity Only available for Tata Neu Infinity HDFC Bank	1 year	Not specified

Notes

Tata Neu Infinity HDFC Bank Credit Card: Condition: ₹50,000 spend in the calendar quarter
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

HDFC Bank Tata Neu Infinity RuPay

Verify with issuer

HSBC India Live+

Verify with issuer