10% CASHBACK ON GROCERY PURCHASES & DINING, AIRPORT LOUNGE ACCESS

HSBC Live+ Credit Card

HSBC Live+ Credit Card - Our Money Guide Our Rating 4.0
Top Reasons to Choose
✔︎
10% cashback on grocery, dining & food delivery. Monthly cashback limit - ₹1000
✔︎
1.50% unlimited cashback on other card spends
✔︎
Domestic airport lounge access - 4 per year
Annual Fee

₹999

Minimum Income

₹6 lakhs per year

Annual Fee Offers
  • Welcome offer: ₹1000 cashback, at card spend of ₹20000 within 30 days of card issuance
  • Renewal offer: Annual fee waived on annual spend of ₹2 lakhs

10% cashback on grocery purchases, dining, food delivery  (up to ₹1000 per month)

  • Earning rate: ₹10 per ₹100 spent in these categories
  • Monthly cashback limit: ₹1000 (reached at 10,000 spending)

1.50% unlimited cashback on other card spends

  • Earning rate: ₹1.50 per ₹100 spent

Important exclusions (no cashback)

  • Fuel, e-wallets, property management fees
  • Rent, education, government related spends
  • Insurance, jewelry & antique items
  • Gambling, business to business transactions
  • Tolls and bridge fees, financial and non-financial institutions, 
  • Security broker services, collection agencies, charity, money transfers and wholesale clubs

Domestic airport lounge access - 1 time per quarter

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Benefits

  • Best-in-class cashback rate on grocery purchases, dining, and food delivery
  • Airport lounge access - not common in cards in this category, although the number of free visits is quite limited
  • No spending requirements for airport lounge access, unlike many competitor cards

Drawbacks to consider

  • High cashback on a few categories only. You would need to consider other credit cards to earn higher rewards on other card spends (other than grocery purchases, dining, and food delivery)
  • Cashback restrictions: Cashback given is restricted to ₹1000 per month; hence, you will not be able to earn 10% cashback in the promotion categories on high card spends

To read the full review of the card , please click here

SIMPLE REWARDS STRUCTURE, PREMIUM BENEFITS

HSBC Premier Credit Card

HSBC Premier Credit Card - Our Money Guide Our Rating 4.25
Top Reasons to Choose
✔︎
Rewards on travel spending - 36% on hotels, 18% on flights (in airline/ hotel partner points)
✔︎
Unlimited domestic & international airport lounge access
✔︎
Free golf rounds - 24 per year, free golf lessons - 12 per year
✔︎
Low fee of 0.99% on foreign transactions
✔︎
₹20,000 annual fee waived if you meet HSBC Premier banking criteria
Annual Fee

₹20000

Minimum Income

HSBC Premier relationship required to get card || No annual fee for HSBC Premier customers

Annual Fee Offers
  • Welcome offer : Earn 20,000 reward points when you start using your HSBC Premier Credit Card
  • Renewal offer : No annual fee for HSBC Premier customers

Annual Fee

  • Free for HSBC Premier Banking customers (meeting Premier Banking criteria)

Up to 36% Accelerated Travel Rewards

  • Flight bookings: 18% rewards (18 points per ₹100)
  • Hotel bookings: 36% rewards (36 points per ₹100)
  • Monthly cap: 18,000 accelerated reward points

Standard Rewards - 3%

  • All other purchases: 3% rewards (3 points per ₹100)

Reward Exclusions & Limits

  • No points on: Fuel, cash advances, fees/charges, disputed transactions
  • Monthly spending cap: ₹1 lakh combined spending limit on utilities, tax, real estate, insurance, financial institutions, e-wallet, education, government, jewelry purchases

Value of Reward Points

  • Reward point conversion: 1:1 ratio to a variety of airline & hotel partners (usually the best value)
  • Reward points can also be used for buying gift vouchers, Apple products, and more
  • Expiry: Reward points never expire

Travel & Golf

  • Unlimited airport lounge access (India & abroad)
  • 24 complimentary golf rounds annually (maximum 2 per month)
  • 12 complimentary golf lessons annually (maximum 2 per month) 
  • 0.99% foreign exchange fee on international transactions 
  • Up to 20% on hotel bookings with Agoda

Dining

  • 30% discount at EazyDiner restaurants (up to ₹1,250)
  • Minimum bill: ₹3,000 | Valid once per month
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Pros

  • High travel rewards 
  • Unlimited global lounge access with guest privileges
  • Low foreign transaction fees
  • Strong airline/ hotel transfer partners
  • No annual fee if Premier criteria maintained
  • Golf privileges
  • Strong & dynamic offers program, exclusive to Premier customers

Consider alternatives if you:

  • High annual fee (₹20,000) if Premier status lost
  • Restrictive eligibility requirements

To read the full review of the card , please click here

Premium Travel Credit Card

HSBC TravelOne Credit Card

HSBC TravelOne Credit Card - Our Money Guide Our Rating 4.0
Top Reasons to Choose
✔︎
Up to 24% rewards (in airline/hotel points) on travel spending
✔︎
International airport lounge access - 4 times per year
✔︎
Domestic airport lounge access - 6 times per year
✔︎
4 free golf rounds per year, 1 free golf lesson per month
✔︎
2 free movie tickets (up to ₹200 each) each month, through Zomato
✔︎
10% dining discount (up to ₹1000 per month), on Zomato
Annual Fee

₹4999

Minimum Income

₹6 lakhs per year

Annual Fee Offers
  • Welcome offers: ₹1,000 cashback + ₹3,000 PostCard voucher + 3-month EazyDiner Prime (spend ₹10,000 in 30 days + download HSBC app)
  • Renewal offer: Annual fee waived off at ₹8 lakhs annual spend

Up to 24% Rewards (in Airline/Hotel Partner Points) on Card Spending

▶︎ Core Rewards Structure

Travel Categories 

  • 4% rewards (in airline/hotel partner points) on flights, travel aggregators, international spending
  • Monthly cap: 50,000 points 
  • 1 reward point = 1 airline/hotel partner point

General Spending 

  • 2% rewards (in airline/hotel partner points) on all other eligible purchases
  • 1 reward point = 1 airline/hotel partner point

▶︎ Bonus Rewards on Travel Spends

  • 24% total rewards (in airline/hotel partner points) on hotel bookings (via travel aggregators)
  • 16% total rewards (in airline/hotel partner points) on flight bookings
  • Monthly bonus cap: 18,000 points

Important Exclusions: No reward points given on:

  • Education & government payments
  • E-wallets & financial institutions
  • Fuel, insurance, jewelry
  • Money transfers & tax payments
  • Real estate related
  • Utilities & bail/bond payments

Up to 0.8% Additional Rewards through Milestone Benefits

  • 10,000 bonus reward points worth 10,000 travel partner points, at ₹12 lakh annual spend
  • 0.8% additional reward rate (in airline/hotel partner points) from above earnings

Up to 15% Savings through Travel Partnerships 

  • Up to 15% savings on Yatra, EaseMyTrip, PayTM Travel, ClearTrip

Domestic & International Airport Lounge Access

  • 6 domestic lounge visits per year
  • 4 international lounge visits per year

Golf Benefits

  • 4 free rounds per year
  • 12 free lessons per year (max 1/month)
  • 50% off additional green fees

Movie & Dining Offers through Zomato

  • BOGO movie tickets: 2 free tickets (up to ₹200 each) monthly
  • 10% dining discount: Up to ₹1,000 discount, valid once per month
  • 10% discount on event tickets: Up to ₹1,000 discount, valid once per month

Duty-Free Shopping Discounts

  • 20% duty-free discount via Adani One app
  • Up to ₹3,000 savings on minimum ₹8,000 order
  • Valid once per year
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Benefits

  • Good travel card with a range of travel aggregator partnerships
  • Decent earn rate on card spending (in terms of airmiles & hotel points)
  • Complimentary lounge access both in India and abroad
  • Range of lifestyle benefits: Golf, movies, dining and more

Drawbacks

  • You could get a better reward rate on travel spends on some other premium travel cards

To read the full review of the card , please click here

LIFETIME FREE CARD

HSBC Visa Platinum Credit Card

HSBC Visa Platinum Credit Card - Our Money Guide Our Rating 3.75
Top Reasons to Choose
✔︎
Lifetime free card
✔︎
Up to 4% accelerated reward (in airmiles) on travel spends
Annual Fee

₹0

Minimum Income

₹6 lakhs per year

Annual Fee Offers
  • Welcome offer: ₹500 cashback on spending ₹5000 within 30 days of card issuance | 3-month Swiggy One membership

Lifetime free card

0.6% reward (in airmiles), on all annual card purchases up to  ₹4 lakhs (X)

  • 2 reward points on every ₹150 card spend on your card (meaning 1.33 reward points worth 0.66 airmiles, on every ₹100 spent) - 0.66% reward.
  • Reward points redemption: 1 reward point = 0.50 airmiles of various airlines

Accelerated rewards (in airmiles): 4% on hotels (6X), 2.6% on flights (4X)

3.3% reward (in airmiles), on all annual card purchases between ₹4 lakhs and ₹6.25 lakhs (5X)

  • 10 reward points on every ₹150 you spend on your card (meaning 6.66 reward points worth 3.33 airmiles, on every ₹100 spent) - 3.33% reward.
    - Reward points are capped at 15000 per year, which you will reach when you reach ₹6.25 lakhs annual card spend
  • 1 reward point = 0.50 airmiles of various airlines

Zero liability for lost cards, up to ₹3 lakhs 

  • If you lose your HSBC Cashback Credit Card, you’ll bear no liability for transactions made on the card after reporting and registering the loss with the bank. 
  • You’re also covered for any misuse of your HSBC Cashback Credit Card for up to 24 hours before reporting and registering the loss, up to a limit of ₹3 lakhs.

Fuel surcharge waiver up to ₹250 per month, and valid only on fuel transactions between ₹400 and ₹4000

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Benefits

  • Lifetime free card
  • If you utilize the accelerated rewards benefit well and redeem for air miles, you can earn a good reward rate, especially for a lifetime free card

Drawbacks to consider

  • Reward rate on lower card spends is not very attractive

To read the full review of the card , please click here
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Overview of HSBC India Credit Cards

HSBC Premier Credit Card

Best for: HSBC Premier Banking customers seeking ultra-premium benefits at no cost. Delivers industry-leading 36% reward on hotels and 18% on flights through partner transfers, unlimited global lounge access, 24 annual golf rounds, and 0.99% forex fees. The ₹12,000 Taj voucher and EazyDiner Prime membership add further value. Since it's free for Premier customers, it's exceptional—but the ₹20,000 fee without Premier status makes it uncompetitive against HDFC/ICICI alternatives.

HSBC TravelOne Credit Card

Best for: Travel enthusiasts who maximize airline and hotel loyalty programs. 24% reward on hotels and 16% on flight (via partner transfers) with monthly movie tickets, dining discounts, and 10 annual lounge visits. Golf benefits (4 rounds + 12 lessons annually) add value. The ₹8 lakh fee waiver requires commitment but is achievable for frequent travelers. 

HSBC Live+ Credit Card

Best for: Consumers with regular grocery and dining expenses. Delivers 10% cashback on groceries, dining, and food delivery (₹1,000 monthly cap, reached at ₹10,000 spending) plus 1.5% unlimited cashback on other purchases. The ₹2 lakh yearly spend required for annual fee waiver is achievable (average ₹16,700 monthly spend). 4 annual lounge visits add occasional travel perks. Straightforward cashback structure suits those wanting simplicity over complex reward redemptions. Competes with cards like HDFC Swiggy in grocery/dining categories, but has an advantage in terms of rewarding both online and offline spends (unlike HDFC Swiggy and other similar cards).

HSBC Visa Platinum Credit Card

Best for: First-time card users, low spenders, or those wanting a no-fee card. Lifetime free with tiered rewards (0.6% up to ₹4 lakh spending, then 3.3% up to ₹6.25 lakh). Accelerated 4% on hotels and 2.6% on flights adds modest travel value. 

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