HSBC
HSBC Live+ Credit Card
10% cashback on dining, food delivery, groceries & bills
Annual fee₹999 + GST
Forex1.99%
LoungeYes
Cards that still reward electricity, broadband, mobile and other bill payments — a category most banks have excluded or charge 1% on.
4 cards · details checked October 2026
10% cashback on dining, food delivery, groceries & bills
UPI
10% back on bills, recharges & travel in the PhonePe app
3.33% base rewards + unlimited lounges worldwide
Lifetime freeUPI
Up to 12% back on Amazon, Flipkart, Zomato, BigBasket & bills in CheQ

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