HSBC Live+ Credit Card vs HSBC Premier Credit Card
A side-by-side breakdown of fees, rewards, lounge access and benefits — so you can pick the right card for your spending.
HSBC Live+ Credit Card wins 3 of 12 categories
Across rewards, fees and benefits, HSBC Live+ 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
91/100
86/100
Bank
HSBC
HSBC
Network
Visa
Mastercard
Reward Rate
10%
3%
Fees & Charges
Joining Fee
₹999
₹12,000
Annual Fee
₹999
₹20,000
Forex Markup
1.99%
0.99%
Finance Charges
3.75% per month
2.99% per month
Rewards
Value per Point
—
—
Value Back
Benefits
Domestic Lounge
International Lounge
Dining
Golf
Concierge
Insurance
Travel
Fuel Waiver
Movie Benefits
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, HSBC Live+ Credit Card or HSBC Premier Credit Card?+
HSBC Live+ Credit Card scores higher at 91/100, compared to 86/100 for the other.
Which card has lower fees?+
HSBC Live+ Credit Card costs ₹999 to join and ₹999 annually. HSBC Premier Credit Card costs ₹12,000 to join and ₹20,000 annually.
Which card should I pick?+
HSBC Live+ 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.