HSBCVisa
HSBC Live+
Net savings₹16,098/yr
Savings rate4.9%
Annual feeWaived ₹1,179
Lounge✈2 dom🌏1 intl
✓ 10% on dining, food delivery, groceries, shopping & utilities earns you about ₹13,704 a…
Issuer · 4 cards · updated 2026-09-19
HSBC credit cards, ranked
Every HSBC card scored in rupees for the standard profile – fee incl. GST, net savings, lounge rules and what changed recently.
Best HSBC credit card (Sept 2026): HSBC Live+ – score 100/100, ₹16,098 net a year for the standard profile; HSBC TravelOne is next. 4 HSBC cards on CardLens: 1 lifetime free, 3 with lounge access.
Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend
Top 3 HSBC cards
HSBCMastercard
HSBC TravelOne
Net savings−₹2,330/yr
Savings rate-0.7%
Annual feeYou pay ₹5,899
Lounge✈6 dom🌏4 intl
✓ Base rate 1% on other spends earns you about ₹1,644 a year on ₹1,64,400 of spend.
HSBCVisa
HSBC Visa Platinum
Net savings₹1,986/yr
Savings rate0.6%
Annual feeFree for life
Lounge✈ none
✓ Base rate 0.67% on other spends earns you about ₹1,626 a year on ₹2,42,640 of spend.
All 4 HSBC cards
| # | Card | Score | Net savings / yr | Type | Annual fee | Lounge |
|---|---|---|---|---|---|---|
| 1 | HSBC Live+HSBC | 100/100 | ₹16,098 4.9% rate | Cashback · 1.99% forex | Waived | 2 domestic + 1 international/yr |
| 2 | HSBC TravelOneHSBC | 37/100 | −₹2,330 -0.7% rate | Travel · 1% forex | You pay ₹5,899 | 6 domestic + 4 international/yr |
| 3 | HSBC Visa PlatinumHSBC | 32/100 | ₹1,986 0.6% rate | Entry-level · 3.5% forex | Free for life | No lounge access |
| 4 |  HSBC PremierHSBC | 26/100 | −₹16,689 -5.1% rate | Super-premium · 0.99% forex | You pay ₹23,600 | unlimited domestic + unlimited international/yr |
Ranked by the open CardLens engine: rewards at realistic redemption value + milestones + waivers − fee incl. 18% GST − forex, for the spend profile stated above. Figures are estimates from public issuer terms – verify on the issuer page before applying. How the score works →
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Frequently asked questions
Which HSBC credit card is best?
For the standard ₹32k/month profile, HSBC Live+ scores highest (100/100, ₹16,098 recurring net savings), ahead of HSBC TravelOne (37). Your own spend can change the order – use Find My Card.
Which HSBC credit card is lifetime free?
HSBC Visa Platinum is lifetime free on CardLens data.
Which HSBC credit card gives airport lounge access?
HSBC Live+ (2 domestic); HSBC TravelOne (6 domestic); HSBC Premier (Unlimited domestic).