HSBC India credit cards we compare
6 HSBC cards side by side, and which one suits each kind of spend. Facts from HSBC's own pages.
6 cards · last verified 20 Oct 2026 · how we compare
All HSBC cards we compare
| Card | Fees | Base rate | UPI | Airport lounge | Good for | Apply |
|---|---|---|---|---|---|---|
| HSBC Live+ Credit CardCashback card: 10% back on dining, food delivery, groceries, shopping and utility bills, capped at ₹1,200 a month (reached at ₹12,000 of these spends), and 1.5% on most other spends with no cap. Amazon, Flipkart and Myntra earn 1.5%, not 10%. Spends abroad earn no cashback, but the forex markup is a low 1.99%. | ₹999 joining, ₹999 a year | 1.5% | No | 2 domestic + 1 international a year | Online shopping and groceries, Cashback, Movies and dining, Bills and utilities, Self-employed, Airport lounge access | Apply nowVia our referral partner. We may earn a commission. |
| HSBC Premier Credit Card3 reward points per ₹100, and HSBC values a point at ₹1 when you redeem it for Apple products or for flights and hotels on its Travel with Points portal, so about 3% back. Points also move 1:1 to 11 airline programmes (including Air India, Singapore Airlines and British Airways) and 4 hotel programmes, and never expire; gift cards and merchandise are priced in HSBC's app. Bookings made through the portal earn more (up to 36 points per ₹100 on hotels). New cards issued by 31 Dec 2026 get 20,000 bonus points on the first purchase within 30 days. Fuel earns nothing, and utility bills, insurance, rent, wallet loads and similar payments earn only on the first ₹1 lakh a month combined. | ₹12,000 joining, ₹20,000 a year | 3% | No | Unlimited domestic + unlimited international | Online shopping and groceries, Bills and utilities, Travel and lounges, Zero forex, Airport lounge access, Premium | View on HSBC siteIssuer's site. We don't earn from this card. |
| HSBC RuPay Cashback Credit Card10% cashback on dining, food delivery and groceries and 1% on other eligible spends, including UPI payments at shops, with all cashback capped at ₹400 a month (the 10% rate alone reaches the cap at ₹4,000 of spend). Links to UPI apps; abroad it works on the JCB network. | ₹499 joining, ₹499 a year | 1% | Yes | 8 domestic + 2 international a year | Online shopping and groceries, UPI and RuPay, Cashback, Movies and dining, Self-employed, Airport lounge access | View on HSBC siteIssuer's site. We don't earn from this card. |
| HSBC RuPay Platinum Credit Card2 reward points for every ₹150 you spend, including UPI payments to merchants once the card is linked to a UPI app. HSBC doesn't publish a fixed rupee value for a point: you redeem in the HSBC India app for gift cards, merchandise, flights and hotels on its Travel with Points portal, or move points to 11 airline and 5 hotel programmes (mostly 2 points for 1 mile or hotel point). Flights and hotels booked on the portal earn 4 to 6 times the points. Points last 3 years. Fuel, utility bills, insurance, rent, wallet loads, school fees, government payments and jewellery earn nothing. | Lifetime free | – | Yes | None | Lifetime free, UPI and RuPay, Self-employed | View on HSBC siteIssuer's site. We don't earn from this card. |
| HSBC TravelOne Credit CardTravel card: 4 reward points per ₹100 on airlines, travel booking sites and foreign-currency spends, 2 per ₹100 on most other spends, and 10,000 bonus points once you spend ₹12 lakh in a card year. Points move 1:1 to 11 airline programmes (including Air India, Singapore Airlines and British Airways) and 4 hotel programmes (including Marriott and Accor); HSBC sets no fixed rupee value for them. Fuel, utility bills, rent and insurance earn nothing. | ₹4,999 joining, ₹4,999 a year | – | No | 6 domestic + 4 international a year | Self-employed, Travel and lounges, Airport lounge access, Premium | View on HSBC siteIssuer's site. We don't earn from this card. |
| HSBC Visa Platinum Credit Card2 reward points per ₹150 spent, and more on flights, hotels and car rentals booked through HSBC's Travel with Points portal (up to 12 points per ₹150 on hotels). Points can go to airline miles (2 points per mile with most partners), hotel points, gift cards or merchandise in HSBC's app, but HSBC sets no fixed rupee value for them. Fuel, utility bills, rent, insurance and wallet loads earn nothing. | Lifetime free | – | No | None | Lifetime free, Self-employed | View on HSBC siteIssuer's site. We don't earn from this card. |
Base rate is the value back on everyday spends at HSBC's published redemption value; “–” means it isn't published. Fees exclude GST. Ranking never depends on whether we earn from a card.
Which HSBC card for which spend
- Lifetime freeHSBC RuPay Platinum Credit CardLifetime free · #17 of 23 cards we compare · see all lifetime free cards
- Online shopping and groceriesHSBC Premier Credit Card3% on online shopping · #9 of 23 cards we compare · see all online shopping and groceries cards
- UPI and RuPayHSBC RuPay Cashback Credit Card1% on UPI · #13 of 30 cards we compare · see all UPI and RuPay cards
- CashbackHSBC Live+ Credit Card1.5% on online shopping · #7 of 15 cards we compare · see all cashback cards
- Movies and diningHSBC RuPay Cashback Credit Card10% on dining and food delivery · #1 of 29 cards we compare · see all movies and dining cards
- Bills and utilitiesHSBC Live+ Credit Card10% on bills and utilities · #1 of 16 cards we compare · see all bills and utilities cards
- Self-employedHSBC RuPay Platinum Credit CardLifetime free · #3 of 32 cards we compare · see all self-employed cards
- Travel and loungesHSBC Premier Credit Card3% on travel · #7 of 24 cards we compare · see all travel and lounges cards
- Zero forexHSBC Premier Credit Card3% on travel · #13 of 14 cards we compare · see all zero forex cards
- Airport lounge accessHSBC Premier Credit CardUnlimited domestic + unlimited international · #5 of 38 cards we compare · see all airport lounge access cards
- PremiumHSBC Premier Credit Card₹12,000 joining, ₹20,000 a year · #4 of 18 cards we compare · see all premium cards
Self-employed?
HSBC says self-employed people can apply for HSBC Live+ Credit Card, HSBC RuPay Cashback Credit Card, HSBC RuPay Platinum Credit Card, HSBC TravelOne Credit Card and HSBC Visa Platinum Credit Card. Details are on each card's page and on our self-employed cards page.
Compare side by side
Related guides
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Questions people ask
Which HSBC credit card is lifetime free?
Among the HSBC cards we compare: HSBC RuPay Platinum Credit Card and HSBC Visa Platinum Credit Card. They charge no joining or annual fee in HSBC's fee schedule.
Which HSBC credit card works on UPI?
HSBC RuPay Cashback Credit Card and HSBC RuPay Platinum Credit Card. They're RuPay cards, so they can be linked to UPI apps for merchant payments; UPI rewards are often lower than card rewards.
Which HSBC credit card gives airport lounge access?
HSBC Premier Credit Card (Unlimited domestic + unlimited international); HSBC RuPay Cashback Credit Card (8 domestic + 2 international a year); HSBC TravelOne Credit Card (6 domestic + 4 international a year); HSBC Live+ Credit Card (2 domestic + 1 international a year). Most cards now need a minimum spend to unlock visits; see the lounge page for each card's condition.
What income do I need for an HSBC credit card?
The lowest published income among these cards is ₹50,000 a month for the HSBC Live+ Credit Card, and the highest ₹50,000 a month for the HSBC Visa Platinum Credit Card (salaried). HSBC decides approval on its own checks, including your credit score.
How did you check these cards?
Every fee, reward rate and eligibility rule comes from HSBC's own pages and terms, last verified 20 Oct 2026. It may not be every HSBC card. 45 of the 77 cards we compare have a partner link we may earn from; the other 32 link to the bank's own site, and we don't earn from them. Ranking never depends on what we earn.
Last verified 20 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.