1.5% · 10% on eligible dining, food delivery, grocery, and utilities
Strong data Pairwise comparison
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HSBC India Live+ vs IndusInd Bank Legend Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the HSBC India Live+ and the IndusInd Bank Legend. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick Live+ for lounge access and rewards.
Head-to-head
Three core metrics- Annual fee Legend saves ₹999/yrLive+ ₹999 Waivable at ₹2,00,000 spendLegend ₹0
- Forex markup Legend saves ~₹190 per ₹1L abroadLive+ 1.99%Legend 1.8%
- Domestic lounge Live+: +2 lounge visits/yrLive+ 2/yearLegend No complimentary lounge access
Reward earning explained
Per card1 pt / ₹100 · Up to 2 pts / ₹100 on Weekend
Strong dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (HSBC India Live+: ₹999 vs IndusInd Bank Legend: ₹0), forex markup (1.99% vs 1.8%), or lounge access (2/year vs No complimentary lounge access).
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Travel Insufficient data Insufficient data to compare travel
Only HSBC India Live+ has comparable evidence here. Forex markup is 1.99%.
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Forex markup Tie Both cards are similar for forex
Forex markup is 1.99%. Forex markup is 1.8%.
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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 2 per year.
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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 IndusInd Bank Legend's ~0.5%.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- HSBC Live+: ~₹750/month at base rate
- IndusInd Bank Legend: ~₹250/month at base rate
Illustrative only, using current base rates before caps.
| Field | Live+ HSBC India | Legend IndusInd Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits 2/year vs No complimentary lounge access | 2/year | No complimentary lounge access |
| International lounge visits 1 per year vs Not included | 1 per year | No international lounge access |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 1.99% vs 1.8% | 1.99% | 1.8% |
| Fees | ||
| Recurring annual fee ₹999 vs ₹0 | ₹999 | ₹0 |
| Annual-fee waiver Only available for HSBC Live+ | ₹2,00,000 | Not specified |
| Monthly interest rate Only available for HSBC Live+ | 3.75% / month | Not specified |
| Fuel benefit Only available for IndusInd Bank Legend | Not specified | 1% surcharge waiver · Fuel rewards excluded |
| Rewards | ||
| Base earn Some reward lanes are unsupported — base rate only for comparison. 1.5% vs 1 pt / ₹100 | 1.5% | 1 pt / ₹100 |
| Conservative base value ~1.5% vs ~0.5% | ~1.5% | ~0.5% |
| Earn ceiling ₹1,200 per month — shared across Dining, Food delivery, Grocery, Shopping & Utilities vs Not stated | ₹1,200 per month — shared across Dining, Food delivery, Grocery, Shopping & Utilities | Not stated |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
HSBC India Live+
Verify with issuer , opens external siteIndusInd Bank Legend
Verify with issuer , opens external site