HDFC Bank
Swiggy HDFC Bank Credit Cards (BLCK & ORNGE)
Up to 10% back on Swiggy Food, Instamart & Dineout
Annual fee₹1,000 + GST
Forex3.5%
LoungeNone
HSBC
HSBC Live+ Credit Card
10% cashback on dining, food delivery, groceries & bills
Joining fee₹999 + GST
Annual fee₹999 + GST
NetworkVisa
Forex markup1.99%
LoungeYes
Best forFood, Groceries & Dining
Details checked October 2026
01Rewards
| Dining, food delivery, groceries, shopping (ex. Amazon/Flipkart/Myntra) & utilities | 10% cashback, shared cap ₹1,200/month (raised from ₹1,000 on 26 Jul 2026) |
| All other eligible spends | 1.5% cashback, uncapped |
Redemption: Automatic cashback to your card account.
02Fees, benefits & charges
- Fee waiver
- Renewal waived on ₹2 lakh annual spend
- Welcome benefit
- ₹1,000 cashback on ₹25,000 spend within 30 days (applications till 31 Dec 2026)
- Milestones
- ₹250 cashback on contactless fuel each quarter with ₹10,000 card spend
- Airport lounges
- 2 domestic + 1 international visit a year
- Forex markup
- 1.99%
- Fuel
- No cashback on fuel (quarterly contactless fuel bonus instead)
- No rewards on
- Fuel, rent, insurance, education, government, wallet loads, international spends, EMI
03Highlights & watch-outs
Highlights
- 10% now covers utility bills too
- Uncapped 1.5% on everything else
- Lower 1.99% forex
Watch out for
- Amazon, Flipkart & Myntra earn only 1.5%
- Single ₹1,200 cap across all 10% categories
Suits: Urban households spending ₹10–12k a month on food, groceries and bills.
04FAQs
What is the annual fee of the HSBC Live+ Credit Card?
The annual fee is ₹999 + GST, and the joining fee is ₹999 + GST. Renewal waived on ₹2 lakh annual spend
Does the HSBC Live+ Credit Card offer airport lounge access?
2 domestic + 1 international visit a year
What is the forex markup on the HSBC Live+ Credit Card?
The foreign currency markup is 1.99%.
Which spends don’t earn rewards on the HSBC Live+ Credit Card?
Fuel, rent, insurance, education, government, wallet loads, international spends, EMI.
ⓘBefore you apply: fees and rewards above were checked in October 2026 from issuer pages and public sources. Banks can change terms at any time — the issuer’s application page is the final word. Approval depends on the bank’s own checks.
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