CardHungry

Side-by-side · honest numbers

HDFC MoneyBack+ Credit Card vs HSBC Live+ Credit Card

Honest side-by-side comparison of HDFC MoneyBack+ Credit Card, HSBC Live+ Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

HDFC MoneyBack+ Credit Card

HDFC Bank

HSBC Live+ Credit Card

HSBC

Your adjusted comparison

Feature
HDFC MoneyBack+ Credit Card

HDFC MoneyBack+ Credit Card

HDFC Bank

HSBC Live+ Credit Card

HSBC Live+ Credit Card

HSBC

Fees & eligibility
Annual fee₹500₹999
Fee waiver thresholdNo waiver publishedWaived at ₹2,00,000/yr spend
Min income₹20,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹130/yr₹7,470/yr
Online shopping₹2,500 → 167 pts/mo × ₹0.25/pt = ₹41.67/mo (₹500/yr) · cap reached—
Dining & delivery—₹3,500 × 10% = ₹350/mo (₹4,200/yr) · issuer max ₹1,000/mo
Top reward rate10X points10%
Primary reward cap₹2,500 eligible spend/mo₹1,000 rewards/mo cap
Perks & restrictions
Lounge accessNone4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentEMI · Fuel · Rent · Wallet · Insurance
Bonuses
Signup bonus₹500—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

HDFC MoneyBack+ Credit Card details →HSBC Live+ Credit Card details →

Share this comparison

https://cardhungry.com/in/en/compare/hdfc-moneyback-plus-vs-hsbc-live-plus

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, HSBC Live+ Credit Card leads HDFC MoneyBack+ Credit Card by about ₹7,340/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

HDFC MoneyBack+ Credit Card vs HSBC Live+ Credit Card comparison table
FeatureHDFC MoneyBack+ Credit Card

HDFC Bank

HSBC Live+ Credit Card

HSBC

Fees & eligibility
Annual fee₹500₹999
Fee waiver thresholdNo waiver publishedWaived at ₹2,00,000/yr spend
Min income₹20,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹130/yr₹7,470/yr
Online shopping₹2,500 → 167 pts/mo × ₹0.25/pt = ₹41.67/mo (₹500/yr) · cap reached—
Dining & delivery—₹3,500 × 10% = ₹350/mo (₹4,200/yr) · issuer max ₹1,000/mo
Top reward rate10X points10%
Primary reward cap₹2,500 eligible spend/mo₹1,000 rewards/mo cap
Perks & restrictions
Lounge accessNone4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentEMI · Fuel · Rent · Wallet · Insurance
Bonuses
Signup bonus₹500—

Frequently asked questions

Which card has the lower annual fee?
HDFC MoneyBack+ Credit Card has the lowest annual fee at ₹500.
Which card earns more on moderate spend?
HSBC Live+ Credit Card leads with an estimated ₹7,470/yr net annual value on moderate spend.
Which card has the lower income requirement?
HDFC MoneyBack+ Credit Card lists a minimum monthly income of ₹20,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

More HDFC MoneyBack+ Credit Card comparisons