Find my card

Swiggy BLCK HDFC Bank vs HSBC Live+: Which Card Is Better?

A side-by-side comparison of Swiggy BLCK HDFC Bank and HSBC Live+ credit cards: fees, reward rates by category, caps, forex markup, lounge access, and which one earns more for different kinds of spenders.

Verdict

HSBC Live+ earns more in 4 of the 7 spending profiles we tested. Choose Swiggy BLCK HDFC for heavy swiggy, instamart and dineout users. Choose HSBC Live+ for families spending on dining, groceries, shopping and bills.

Spending profileSwiggy BLCK HDFCHSBC Live+Winner
Balanced spender₹11,760₹15,840HSBC Live+ (+₹4,080)
Online shopper₹17,580₹14,940Swiggy BLCK HDFC (+₹2,640)
Frequent traveller₹18,804₹19,322HSBC Live+ (+₹518)
Family & groceries₹11,520₹16,200HSBC Live+ (+₹4,680)
Foodie₹15,840₹15,480Swiggy BLCK HDFC (+₹360)
Daily commuter₹7,020₹15,300HSBC Live+ (+₹8,280)
High spender₹25,566₹25,473Swiggy BLCK HDFC (+₹93)

Estimated yearly value after caps, fees (with GST) and forex costs. Try your own spends →

Swiggy BLCK HDFC vs HSBC Live+: full comparison

FeatureSwiggy BLCK HDFC BankHSBC Live+
Card
Swiggy BLCK HDFC BankHDFC Bank
HSBC Live+HSBC
Annual fee₹1,000 + GST₹999 + GST
Joining fee₹1,000 + GST₹999 + GST
Fee waiverWaived on ₹2,00,000 yearly spendWaived on ₹2,00,000 yearly spend
NetworkMastercardVisa Infinite
Amazon rewards5%10%
Flipkart rewards5%10%
Other online shopping rewards5%10%
Food delivery rewards10%10%
Dining out rewards1%10%
Groceries rewards1%10%
Flights & hotels rewards5%1.5%
Fuel rewards0%0%
Bills & recharges rewards0%10%
Everything else rewards1%1.5%
Forex markup3.5%1.99%
Lounge accessNone2 domestic + 1 international visit a year
Reward caps10% Swiggy cashback capped at ₹1,500 per month
5% online cashback capped at ₹1,500 per month		10% cashback capped at ₹1,200 per month
Est. yearly value: balanced spender₹11,760₹15,840
Est. yearly value: online shopper₹17,580₹14,940
Est. yearly value: frequent traveller₹18,804₹19,322
Est. yearly value: family & groceries₹11,520₹16,200
Best forHeavy Swiggy, Instamart and Dineout usersFamilies spending on dining, groceries, shopping and bills
Pros
  • 10% cashback on Swiggy Food, Instamart and Dineout
  • 5% cashback on online spends across apparel, electronics, pharmacy, travel, cabs and more
  • 1% cashback on other spends
  • Joining fee waived on ₹75,000 spend in the first 90 days
  • 10% cashback on dining, food delivery, groceries, shopping and utilities (up to ₹1,200 a month)
  • 1.5% unlimited cashback on most other spends
  • Upgraded to Visa Infinite in 2026, with a 1.99% forex markup
Cons
  • Higher ₹1,000 fee than the old Swiggy HDFC card
  • Separate ₹1,500 monthly caps on each cashback tier
  • No rewards on fuel, rent, utilities or wallet loads
  • 10% tier capped at ₹1,200 per month across all accelerated categories
  • Excludes fuel, rent and education
Visit HDFC BankVisit HSBC

FAQs

Which is better, Swiggy BLCK HDFC or HSBC Live+?

HSBC Live+ comes out ahead in 4 of 7 spending profiles we tested. Choose Swiggy BLCK HDFC Bank if you want a card for heavy swiggy, instamart and dineout users. Choose HSBC Live+ if you want a card for families spending on dining, groceries, shopping and bills.

What is the difference in annual fee between Swiggy BLCK HDFC and HSBC Live+?

Swiggy BLCK HDFC Bank: ₹1,000 + GST (waived on ₹2,00,000 yearly spend). HSBC Live+: ₹999 + GST (waived on ₹2,00,000 yearly spend).

Which card has a lower forex markup?

HSBC Live+ has the lower forex markup at 1.99%, compared with 3.5%.

More comparisons

0 selectedCompare now