HDFC Millennia vs HSBC Live+ Credit Card
Detailed comparison of these two popular credit cards
Winner
HDFC Millennia
HDFC Bank
Mid-RangeVS
HSBC Live+ Credit Card
HSBC India
Mid-RangeAnnual Fee
₹1K vs ₹999
Effective Rate
(cash value)
1.0% vs 1.5%
Lounge Access
8/year vs None
Detailed Comparison
| Feature | HDFC Millennia | HSBC Live+ Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹1K | ₹999 |
| Annual Fee | ₹1K | ₹999 |
| Fee Waiver | Spend ₹1L annually | Spend ₹2L annually |
| Forex Markup | 3.5% | - |
Rewards | ||
| Reward Type | 💵Cashback | 💵Cashback |
| Effective Cash Value | 1% | 1.5% |
Lounge Access | ||
| Domestic Lounges | 8/year | None |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹6.0L | ₹6.0L |
HDFC Millennia is Best For
Online shoppers on major platforms
Watch Out
- • 5% cashback capped at ₹1000/month
HSBC Live+ Credit Card is Best For
Dining and grocery heavy spenders
Watch Out
- • 10% cashback capped at ₹1000/month
Our Verdict
Based on overall features and value,
HDFC Millennia wins!
Score: 34vsScore: 31
