HSBC India credit cards
We cover 2 HSBC India cards. Annual fees range from ₹999 to ₹4,999.
At a glance
- 2 cards are currently offered (open, invite-only or waitlisted).
- No card in our data is free of an annual fee.
- 2 include domestic airport lounge visits (check the spend conditions).
- 2 of 2 are high confidence (key figures confirmed in the issuer's own documents); the rest are partly verified.
- For a metro salaried spending profile (₹60,000 a month) the top open HSBC India cards by net yearly value are HSBC Live+ Credit Card, HSBC TravelOne Credit Card.
All HSBC India cards, ranked
Ranked by estimated net yearly value for a metro salaried profile (₹60,000 a month across typical categories; assumptions on the methodology page). Your spending mix will change the order; the calculator uses your own numbers.
| Card | Annual fee | Net a year | Headline rate | Status | Data |
|---|---|---|---|---|---|
| HSBC Live+ Credit Card | ₹999 | ₹22,320 | 1.5% base, up to 10% on dining & food delivery/groceries/bills & utilities/other online shopping | open | Official docs |
| HSBC TravelOne Credit Card | ₹4,999 | ₹1,361 | 1% base, up to 2% on international (foreign currency) | open | Official docs |
Which HSBC India card suits whom
HSBC Live+ Credit Card (₹999 a year)
HSBC lists 10% cashback on dining, food delivery, grocery, shopping and utility spends, but with one shared cap of ₹1,200 a month, plus 1.5% on everything else. Eligibility as stated: Salaried 18-65 min INR6L/yr; self-employed 25-65
HSBC TravelOne Credit Card (₹4,999 a year)
A premium travel card: ₹4,999 joining and annual fee, reversed if you spend more than ₹8 lakh a year (HSBC's multi-card MITC words this as spend on the primary card). Eligibility as stated: Salaried income ₹6 lakh/year, self-employed ₹12 lakh/year; age 18-65 salaried, 25-65 self-employed; select cities (official).
Reported rule changes
- 26 Jul 2026: HSBC Live+: 10% category cap shared, international spends stop earning official