What are the annual fees for HSBC Live+ Credit Card and HSBC TravelOne Credit Card?

HSBC Live+ Credit Card has ₹999 + GST. HSBC TravelOne Credit Card has ₹4,999 + GST. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

HSBC Live+ Credit Card earns about 1.5% on general spends; HSBC TravelOne Credit Card earns about 0.6%. Category and partner rates may differ — see the table above.

What is the forex markup on each card?

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

Do both cards include airport lounge access?

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

Card Comparison

HSBC Live+ vs HSBC TravelOne

The key difference: 1.5% effective rate vs 0.6%. HSBC Live+ vs HSBC TravelOnecompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

HSBC Live+

HSBC Bank

Fee₹999+GST

Eff. rate1.5%

Cap₹1,000

Fee

₹999+GST

Eff. rate

1.5%

Cap

₹1,000

HSBC TravelOne

HSBC Bank

Fee₹4,999+GST

Eff. rate0.6%

Cap₹50,000

Fee

₹4,999+GST

Eff. rate

0.6%

Cap

₹50,000

Quick take

How they compare

HSBC Live+ and HSBC TravelOnesuit 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

HSBC Live+

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

Notable strengths

Direct cashback — nothing to redeem

HSBC TravelOne

Annual fee: ₹4,999 + GST
Everyday rate: 0.6%
Monthly cap: ₹50,000/mo

Notable strengths

Flat rewards on every spend

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

49 specs · 13 sections

HSBC Live+

HSBC TravelOne

Feature

HSBC Live+

HSBC TravelOne

Annual Fee

₹999

₹4,999

Joining Fee

₹999

₹4,999

Fee Waiver Spend

₹2,00,000

₹8,00,000

Forex Markup

3.5%

Reward Type

Cashback

Reward Points

Base Rate

1.5%

0.6%

Offline Rate

1.5%

—

Effective Base Rate

1.5%

0.6%

Point Value

₹1

₹0.3

Redemption Quality

HIGH

MEDIUM

Best Redemption

₹1

₹0.3

Worst Redemption

₹1

₹0.1

Cleartrip

—

15%

Easemytrip

—

15%

Eazydiner

15%

—

Paytm

—

15%

Yatra

—

15%

Zomato

—

10%

Grocery / Supermarkets

10%

0.6%

Fuel / Petrol / Diesel / CNG

0% (Excluded)

Restaurants / Dine-in

10%

0.6%

Flights, Hotels, OTAs, Tour Operators

1.5%

1.2%

Other Retail / Catch-all

1.5%

0.6%

Monthly Cap

₹1,000

₹50,000

Est. Annual Cap

₹12,000

₹6,00,000

Total Excluded

10 categories

8 categories

Highway Tolls / FASTag

Excluded

Earns rewards

Donations / Charity / NGO

Excluded

Earns rewards

Domestic Visits/Year

International Visits/Year

None

Priority Pass

Est. Annual Value

₹1,760

₹5,940

Forex Markup

3.5%

International Rate

Yes

Description

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

Rs 1,000 Cashback, PostCard Voucher worth Rs 3,000, and 3-month EazyDiner membership on spending Rs 10,000 within 30 days of card issuance

Estimated Value

₹1,000

₹3,400

Fuel Surcharge Waiver

Yes

Best Suited For

Shopping, Food

Travel, Shopping

Min Income

₹50,000/month

Income Proof

Not required

Required

Secured FD

Accepting Applications

Yes

Network

Visa

Mastercard

Card Tier

Gold

Platinum

Still weighing your options?

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Frequently asked questions

What are the annual fees for HSBC Live+ Credit Card and HSBC TravelOne Credit Card?: HSBC Live+ Credit Card has ₹999 + GST. HSBC TravelOne Credit Card has ₹4,999 + GST. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: HSBC Live+ Credit Card earns about 1.5% on general spends; HSBC TravelOne Credit Card earns about 0.6%. Category and partner rates may differ — see the table above.
What is the forex markup on each card?: HSBC Live+ Credit Card: 3.5%. HSBC TravelOne Credit Card: 3.5% (plus 18% GST on the markup).
Do both cards include airport lounge access?: HSBC Live+ Credit Card: yes — see the lounge row above for limits. HSBC TravelOne 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: HSBC Bank - HSBC Live+ · HSBC Bank - HSBC TravelOne