HDFC Bank Infinia Metal 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.
HDFC Bank Infinia Metal Credit Card wins 5 of 12 categories
Across rewards, fees and benefits, HDFC Bank Infinia Metal Credit Card edges ahead. But the best card for you depends on how you spend — check the detailed breakdown below.
Head-to-head comparison
Overview
Expert Score
90/100
91/100
Bank
HDFC Bank
HSBC
Network
Visa
Visa
Reward Rate
3.3%
10%
Fees & Charges
Joining Fee
₹12,500
₹999
Annual Fee
₹12,500
₹999
Forex Markup
2%
1.99%
Finance Charges
1.99% per month
3.75% per month
Rewards
Value per Point
—
—
Value Back
5 Reward Points on every ₹150
Benefits
Domestic Lounge
International Lounge
Dining
Golf
Concierge
Insurance
Travel
Fuel Waiver
Movie Benefits
Pick HDFC Bank Infinia Metal Credit Card if…
- You want better dining
- You want better golf
- You want better concierge
- You want better insurance
- You want better travel
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 Infinia Metal Credit Card or HSBC Live+ Credit Card?+
HSBC Live+ Credit Card scores higher at 91/100, compared to 90/100 for the other.
Which card has lower fees?+
HDFC Bank Infinia Metal Credit Card costs ₹12,500 to join and ₹12,500 annually. HSBC Live+ Credit Card costs ₹999 to join and ₹999 annually.
Which card should I pick?+
HDFC Bank Infinia Metal Credit Card wins more categories overall in our breakdown. That said, the right choice depends on what you actually spend on — review the head-to-head table above and pick the one that matches your usage.