HSBC Live+ vs Airtel Axis Bank

Reviewed by Chandan Kumar Dash

Airtel Axis Bank has the lower annual fee (₹500 against ₹999). HSBC Live+ waives its fee on ₹2,00,000 of spend a year; Airtel Axis Bank waives its fee on ₹2,00,000 of spend a year. For spends abroad, HSBC Live+ charges the lower forex markup (1.99% plus GST). Which one earns more depends on where you spend. The Saifu app works it out on your own spends, on your phone.

Feature	HSBC Live+HSBC India2 wins	Airtel Axis BankAxis2 wins
Annual fee	₹999	Lower₹500
Joining fee	₹999	Lower₹500
Fee waiver	Waived on ₹2,00,000 spend a year	Waived on ₹2,00,000 spend a year
Rewards	10% cashback (up to INR 1,200 a month) on dining, food delivery, grocery, shopping and utilities; 1.5% on other spends	25% cashback on Airtel mobile, broadband, Wi-Fi and DTH bills; 10% on utility bill payments; Amazon eVoucher worth ₹250 on first transaction
Airport lounges	More2 a year domestic, 1 a year international	None listed
Forex markup	Lower1.99% plus GST	3.5% plus GST
Points	Cashback or not listed	Cashback or not listed
Published minimum income and age	Salaried ₹6,00,000 a year, self-employed ₹12,00,000 a year, age 18 to 65	age 18 to 70
Network	Visa	Not listed
Apply	ApplyAffiliate link	ApplyAffiliate link

Badges mark the lower fee, waiver spend or markup, and more lounge visits. Rewards are not scored here because they depend on where you spend. Affiliate link, costs you nothing extra, we may earn a commission, never changes how cards are ranked. Figures come from each bank's page and can change; check before you apply.

Common questions

Which has the lower annual fee?

Airtel Axis Bank (₹500 against ₹999). HSBC Live+ waives it on ₹2,00,000 of spend a year. Airtel Axis Bank waives it on ₹2,00,000 of spend a year.

Add a third card HSBC Live+Airtel Axis Bank

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