HDFC Millennia Credit Card vs HSBC Live+ Credit Card
Which card gives you higher value? Compare annual fees, reward rates, lounge access, and milestone perks side-by-side.
HDFC Bank
★ 4.3 / 5.0
HDFC Millennia Credit Card
Urban Millennials & Online Spenders
HSBC Bank
★ 4.0 / 5.0
HSBC Live+ Credit Card
Everyday Spending, Food Delivery Apps, Multi-category Shopping, and Lifestyle Cashback
Side-by-Side Feature Breakdown
Open Interactive Matrix →User Rating
★ 4.3 / 5.0
★ 4.0 / 5.0
Annual Fee
₹1,000 + Taxes
Lifetime Free
Fee Waiver Condition
Renewal fee waived on ₹1 lakh spend in the year before renewal
Governed by standard spend-based milestone thresholds outlined by the bank
Reward Rate
5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato & 5 more brands; 1% on other spends
10% cashback on dining, food delivery, grocery, shopping & utility spends (capped ₹1,200/month); 1.5% uncapped on other eligible retail spends
Finance APR
3.6% per month (43.2% per annum)
Subject to HSBC standard tiered credit interest rate guidelines
Welcome Offer
₹1,000 cashback on spending ₹1,000+ in first 90 days
N/A
Top Perks
- • 5% cashback on Amazon, Flipkart, Myntra, BookMyShow, Cult.fit, Swiggy, Sony LIV, Tata CLiQ, Uber & Zomato
- • 1% cashback on all other eligible spends
- • 1 domestic lounge visit or a ₹1,000 voucher on ₹1 lakh spend in each calendar quarter
- • ₹1,000 cashback welcome bonus on ₹1,000+ spends within 90 days
- • Accelerated percentage cashback returns on online retail shopping, food delivery applications, and household spends
- • Earn rewards on eligible day-to-day general merchant expenditures outside of primary exclusions
- • Direct cashback redemption tracking managed seamlessly inside the bank's mobile banking system
- • 1% fuel surcharge waiver shield protection covering valid domestic petroleum pump transactions
Best Suited For
Urban Millennials & Online Spenders
Everyday Spending, Food Delivery Apps, Multi-category Shopping, and Lifestyle Cashback