HDFC Bank BizBIack Metal Business Credit Card vs HSBC Live+ Credit Card
A side-by-side breakdown of fees, rewards, lounge access and benefits — so you can pick the right card for your spending.
It's a tie — 3 categories each
Both cards are closely matched. Your choice should come down to which specific benefits matter most for your spending pattern.
Head-to-head comparison
Overview
Expert Score
87/100
91/100
Bank
HDFC Bank
HSBC
Network
Visa
Visa
Reward Rate
3.33%
10%
Fees & Charges
Joining Fee
₹10,000
₹999
Annual Fee
₹10,000
₹999
Forex Markup
3.5%
1.99%
Finance Charges
1.99% per month
3.75% per month
Rewards
Value per Point
—
—
Value Back
Benefits
Domestic Lounge
International Lounge
Dining
Golf
Concierge
Insurance
Travel
Fuel Waiver
Movie Benefits
Pick HDFC Bank BizBIack Metal Business Credit Card if…
- You want better golf
- You want better concierge
- You want better insurance
Pick HSBC Live+ Credit Card if…
- You want better expert score
- You want better joining fee
- You want better annual fee
Frequently asked questions
Which has a better expert score, HDFC Bank BizBIack Metal Business Credit Card or HSBC Live+ Credit Card?+
HSBC Live+ Credit Card scores higher at 91/100, compared to 87/100 for the other.
Which card has lower fees?+
HDFC Bank BizBIack Metal Business Credit Card costs ₹10,000 to join and ₹10,000 annually. HSBC Live+ Credit Card costs ₹999 to join and ₹999 annually.
Which card should I pick?+
These cards are evenly matched in our scoring. Pick the one whose specific benefits (lounge, dining, fuel, travel) line up best with how you spend.