What are the annual fees for HDFC Bank Millennia Credit Card and HSBC Live+ Credit Card?

HDFC Bank Millennia Credit Card has ₹1,000 + GST. HSBC Live+ Credit Card has ₹999 + GST. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

HDFC Bank Millennia Credit Card earns about 1% on general spends; HSBC Live+ Credit Card earns about 1.5%. Category and partner rates may differ — see the table above.

What is the forex markup on each card?

HDFC Bank Millennia Credit Card: 3.5%. HSBC Live+ Credit Card: 3.5% (plus 18% GST on the markup).

Do both cards include airport lounge access?

HDFC Bank Millennia Credit Card: yes — see the lounge row above for limits. HSBC Live+ Credit Card: yes — see the lounge row above for limits.

Card Comparison

HDFC Millennia vs HSBC Live+

The key difference: 1.5% effective rate vs 1%. HDFC Millennia vs HSBC Live+compared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

HDFC Bank Millennia

HDFC Bank

Fee₹1,000+GST

Eff. rate1%

Cap₹2,000

Fee

₹1,000+GST

Eff. rate

Cap

₹2,000

HSBC Live+

HSBC Bank

Fee₹999+GST

Eff. rate1.5%

Cap₹1,000

Fee

₹999+GST

Eff. rate

1.5%

Cap

₹1,000

Quick take

How they compare

HDFC Millennia and HSBC Live+suit different spending patterns, so the right pick depends on where and how much you spend — the headline difference is called out at the top. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

HDFC Millennia

Annual fee: ₹1,000 + GST
Everyday rate: 1%
Monthly cap: ₹2,000/mo

Notable strengths

Bonus rewards on Amazon (up to 5%)
Direct cashback — nothing to redeem

HSBC Live+

Annual fee: ₹999 + GST
Everyday rate: 1.5%
Monthly cap: ₹1,000/mo

Notable strengths

Direct cashback — nothing to redeem

Each card's own strengths — not a ranking. Weigh them against where you actually spend.

59 specs · 13 sections

HDFC Bank Millennia

HSBC Live+

Feature

HDFC Bank Millennia

HSBC Live+

Annual Fee

₹1,000

₹999

Joining Fee

₹1,000

₹999

Fee Waiver Spend

₹1,00,000

₹2,00,000

Forex Markup

3.5%

Reward Type

Cashback

Base Rate

1.5%

Online Rate

—

Offline Rate

1.5%

Effective Base Rate

1.5%

Point Value

₹1

Redemption Quality

HIGH

Best Redemption

₹1

Worst Redemption

₹0.3

₹1

Amazon

—

Bookmyshow

—

Cultfit

—

Eazydiner

—

15%

Flipkart

—

Grocery / Supermarkets

10%

Fuel / Petrol / Diesel / CNG

0% (Excluded)

Restaurants / Dine-in

10%

Flights, Hotels, OTAs, Tour Operators

1.5%

Other Retail / Catch-all

1.5%

Monthly Cap

₹2,000

₹1,000

Est. Annual Cap

₹24,000

₹12,000

Total Excluded

5 categories

10 categories

Highway Tolls / FASTag

Earns rewards

Excluded

Gold / Jewellery

Earns rewards

Excluded

Electricity, Water, Gas, Internet, DTH, Mobile Recharge

Earns rewards

Excluded

Insurance Premiums

Earns rewards

Excluded

Domestic Visits/Year

International Visits/Year

None

Priority Pass

Est. Annual Value

₹1,760

Forex Markup

3.5%

Description

1,000 CashPoints on payment of membership fee

₹1,000 Cashback on Spending ₹20,000 in the First 30 Days

Estimated Value

₹1,000

Fuel Surcharge Waiver

Yes

Best Suited For

Online Shopping, Everyday Spends

Shopping, Food

Min Income

₹35,000/month

₹50,000/month

Income Proof

Required

Not required

Secured FD

Accepting Applications

Yes

Network

Visa, Mastercard

Visa

Card Tier

Classic

Gold

Still weighing your options?

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Frequently asked questions

What are the annual fees for HDFC Bank Millennia Credit Card and HSBC Live+ Credit Card?: HDFC Bank Millennia Credit Card has ₹1,000 + GST. HSBC Live+ Credit Card has ₹999 + GST. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: HDFC Bank Millennia Credit Card earns about 1% on general spends; HSBC Live+ Credit Card earns about 1.5%. Category and partner rates may differ — see the table above.
What is the forex markup on each card?: HDFC Bank Millennia Credit Card: 3.5%. HSBC Live+ Credit Card: 3.5% (plus 18% GST on the markup).
Do both cards include airport lounge access?: HDFC Bank Millennia Credit Card: yes — see the lounge row above for limits. HSBC Live+ Credit Card: yes — see the lounge row above for limits.

Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.

Sources: HDFC Bank - HDFC Millennia · HSBC Bank - HSBC Live+