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Comparison · हिन्दी

HDFC Millennia vs HSBC Live+

HDFC Millennia costs ₹1,000 a year and HSBC Live+ ₹999. We ran them on the same ₹22,000 monthly spend and compared rewards, fees, lounge access and forex markup.

Updated · Terms checked by Prashant Parikh
HDFC
MILLENNIA
ASHOK KUMAR
VS
HSBC INDIA
LIVE+
ASHOK KUMAR
Our verdict
HSBC Live+ Credit Card wins for most people
HSBC Live+ wins with ₹15,201 a year against ₹7,400 for HDFC Millennia. It earns 10% on dining, groceries and bills, which adds up to ₹14,400 a year, far more than HDFC Millennia's 5% on a narrower set of partner platforms.
Side-by-side comparison
HDFC Millennia Credit Card HSBC Live+ Credit Card ✓
Annual benefit ₹7,400 ₹15,201
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹1,000 + taxes (waived on ₹1L spend) ₹999 + taxes (waived on ₹2,00,000/year spend)
Issued by HDFC Bank HSBC India
Network Mastercard Visa Infinite
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 5% cashback on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit, up to ₹1,000 a month; 1% on other spends, up to ₹1,000 a month; no cashback on fuel, rent, wallets, EMIs or government payments. 1 CashPoint = ₹1 against the statement 10% cashback on dining, food delivery, groceries, utility bills and shopping, excluding Amazon, Flipkart and Myntra (shared cap ₹1,200/month across all five categories); 1.5% unlimited on all other spends, including Amazon/Flipkart/Myntra
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → No complimentary lounge access; 1 domestic lounge visit or a ₹1,000 voucher each quarter on ₹1 lakh of quarterly spend 2 domestic visits per year (1 per 6 months) + 1 international visit per year
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 1.99%
Best for Online shoppers and food delivery users who buy on Amazon, Flipkart, Swiggy and Zomato Dining, groceries and utility bills with the best unlimited base cashback in India
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹3.5L+ per year ₹6L/year (salaried)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 700+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
HDFC Millennia Credit Card
HDFC Millennia works best if most of your spending goes to Amazon, Flipkart, Myntra, Swiggy and Zomato, where it gives 5% cashback. It suits heavy online shoppers more than everyday grocery and bill payers.
HSBC Live+ Credit Card
HSBC Live+ is better when your spending is spread across dining, groceries and utility bills. It also pays 1.5% unlimited on everything else, so it earns on almost every rupee you spend.
Who should get which card
Get HDFC Millennia if you…
· You shop mainly on Amazon, Flipkart and Myntra
· You order often on Swiggy or Zomato
· You also use Uber, BookMyShow or Cult.fit
· You want a quarterly lounge visit or ₹1,000 voucher on ₹1 lakh quarterly spend
Get HSBC Live+ if you…
· You spend heavily on groceries and utility bills
· You dine out or order food often
· You want 1.5% unlimited cashback on other spends
· You want 2 domestic and 1 international lounge visit a year
Partner offer
Axis Bank Select Credit Card
Higher spenders (₹6L+ income) who will spend ₹3L+ a year and want Priority Pass with up to 12 international lounge visits, plus 2% on grocery and department store spends
Apply now →
AXIS
ASHOK KUMAR

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Related guides
HSBC Live+ vs HSBC RuPay Cashback →HDFC Millennia vs Axis ACE →HDFC Millennia vs SBI Cashback →HDFC MoneyBack+ vs HDFC Millennia →Best Dining Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Swiggy and Zomato →
Frequently asked questions
HSBC Live+ comes out ahead on a typical ₹22,000 monthly spend (₹8,000 on shopping, ₹4,000 on dining, ₹2,000 on travel, ₹5,000 on groceries and ₹3,000 on bills): it returns about ₹15,201 a year after fees, against ₹7,400 for HDFC Millennia. HDFC Millennia works best if most of your spending goes to Amazon, Flipkart, Myntra, Swiggy and Zomato, where it gives 5% cashback.
HDFC Millennia costs ₹1,000 + taxes (waived on ₹1L spend). HSBC Live+ costs ₹999 + taxes (waived on ₹2,00,000/year spend). HSBC Live+ is cheaper to hold, by ₹1 a year before any waiver.
In our yearly figures, HDFC Millennia earns 5% on shopping and dining (up to a monthly cap); 1% on travel, groceries, bills and other spends (up to a monthly cap); nothing on fuel. HSBC Live+ earns 10% on dining, groceries and bills (up to a monthly cap); 1.5% on shopping, travel and other spends; nothing on fuel. Full reward rules, caps and exclusions are in the comparison table above.
Only HSBC Live+ includes lounge access as standard: 2 domestic visits per year (1 per 6 months) + 1 international visit per year. HDFC Millennia: No complimentary lounge access; 1 domestic lounge visit or a ₹1,000 voucher each quarter on ₹1 lakh of quarterly spend.
HSBC Live+ is cheaper abroad: it charges 1.99% forex markup, against 3.5% on HDFC Millennia.
HDFC Millennia is issued by HDFC Bank on Mastercard. HSBC Live+ is issued by HSBC India on Visa Infinite.
Income needed for HDFC Millennia: ₹3.5L+ per year. For HSBC Live+: ₹6L/year (salaried).