1. HSBC Live+ Credit Card
Annual fee ₹999 · Rewards up to 10% · You keep ₹17,100* a year
The HSBC Live+ Credit Card suits people who spend on food, groceries and bills. It gives 10% cashback on those spends, up to ₹1,200 a month, and 1.5% on most other spends with no limit.
- 10% on dining and food delivery
- 10% on groceries
- 10% on bills and utilities
- 1.5% on other spends
2. HSBC Premier Credit Card
Annual fee Free · Rewards up to 3% · You keep ₹9,720* a year
The HSBC Premier Credit Card earns 3 reward points per ₹100, worth ₹1 each on Apple products or HSBC Travel with Points, with unlimited airport lounge access and a 0.99% forex markup. It is only for HSBC Premier customers, who pay no annual fee.
- 3% on other spends
3. HSBC RuPay Cashback Credit Card
Annual fee ₹499 · Rewards up to 10% · You keep ₹4,800* a year
The HSBC RuPay Cashback Credit Card gives 10% cashback on dining, food delivery and groceries and 1% on other spends, up to ₹400 a month, and works on UPI. The ₹499 fee is waived on ₹2 lakh of yearly spends.
- 10% on dining and food delivery
- 10% on groceries
- 1% on other spends
4. HSBC Visa Platinum Credit Card
Annual fee Free · Rewards up to 1.18% · You keep ₹4,261* a year
The HSBC Visa Platinum Credit Card is a lifetime free card that earns 2 reward points per ₹150, worth about ₹0.89 each when moved to Accor hotel points, with up to 6X points on travel booked through HSBC.
- 1.18% on other spends
5. HSBC TravelOne Credit Card
Annual fee ₹4,999 · Rewards up to 4% · You keep ₹581* a year
The HSBC TravelOne Credit Card earns 2 reward points per ₹100, and 4 on flights, travel bookings and foreign currency spends. Points move 1 to 1 to airline and hotel partners, and the card gives 6 domestic and 4 international lounge visits. The ₹4,999 fee is waived on ₹8 lakh of yearly spends.
- 4% on travel
- 2% on other spends
Compare these cards
| Card | Joining fee | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|---|
| HSBC Live+ Credit Card | ₹999 | ₹999 | 10% | ₹17,100* |
| HSBC Premier Credit Card | ₹12,000 | Free | 3% | ₹9,720* |
| HSBC RuPay Cashback Credit Card | ₹499 | ₹499 | 10% | ₹4,800* |
| HSBC Visa Platinum Credit Card | Free | Free | 1.18% | ₹4,261* |
| HSBC TravelOne Credit Card | ₹4,999 | ₹4,999 | 4% | ₹581* |
How to choose a HSBC India credit card
- Start with where you spend the most, then look for the card that pays on it.
- Check the limit on the top rate, and which spends earn nothing.
- See if you can reach the fee waiver with your normal spending.
- Read the age and income rules on the card page before you apply.
How we ranked these cards
We work out what each card pays on ₹30,000 a month of mixed spending, then take off the renewal fee with GST. We count rewards only up to each limit. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there. Welcome gifts and lounge visits are left out. What a bank pays us plays no part. Your own result will differ, so try the credit card finder with your spending.
The bank alone decides approval and your credit limit.
Frequently asked questions
Which HSBC India credit card is the best?
It depends on how you spend. On our example spending, HSBC Live+ Credit Card comes first, but your result will differ. Try the credit card finder with your own numbers.
Which HSBC India credit card has the lowest annual fee?
HSBC Premier Credit Card and HSBC Visa Platinum Credit Card have no annual fee.
How many HSBC India credit cards have you checked?
We have checked 5 so far, against HSBC India's own terms: HSBC Live+ Credit Card, HSBC Premier Credit Card, HSBC RuPay Cashback Credit Card, HSBC TravelOne Credit Card and HSBC Visa Platinum Credit Card.
Who decides if I get a HSBC India credit card?
HSBC India alone decides approval and your credit limit, based on its own rules. Age and income rules are on each card page.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms. Fees are before GST.
Some Apply buttons are partner links. What a bank pays us never changes the order or any figure. How we make money