Swiggy BLCK HDFC Bank Credit Card vs HSBC Live+ Credit Card
HDFC Bank · HSBC Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
HDFC BankScoreGood
Annual Fee₹1,000
Max Reward10%
HSBC BankScoreVery Good
Annual Fee₹999
Max Reward10%
HSBC Live+ Credit Card leads overall with a CardCheck Score of 71/100 (+4 pts over Swiggy BLCK HDFC Bank Credit Card).
4-Pillar Head-to-Head Breakdown
Swiggy vs HSBCReward Power
35%Swiggy35/35
HSBC35/35
Tie (35/35)
Fee Value & ROI
25%Swiggy20/25
HSBC20/25
Tie (20/25)
Lounge & Travel
20%Swiggy4/20
HSBC4/20
Tie (4/20)
Forex & Access
20%Swiggy8/20
HSBC12/20
HSBC Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 67
- 71Best
- Rating Verdict
- Good
- Very Good
- Reward Power (35%)
- 35/35
- 35/35
- Fee Value & ROI (25%)
- 20/25
- 20/25
- Lounge & Travel (20%)
- 4/20
- 4/20
- Forex & Access (20%)
- 8/20
- 12/20
02—Basic Info
- Bank
- HDFC Bank
- HSBC Bank
- Network
- Mastercard
- Visa
- Card type
- Co-branded
- Regular
- Best for
- Heavy Swiggy users: 10% cashback on Swiggy food, Instamart and Dineout
- Food delivery & dining — 10% cashback on Swiggy, Zomato & restaurants
03—Fees
- Joining fee
- ₹1,000
- ₹999Best
- Annual fee
- ₹1,000
- ₹999Best
- Fee waiver
- ₹2,00,000
- ₹2,00,000
- Interest-free days
- 50Best
- 45
04—Interest
- APR (min)
- 45%
- 45%
- APR (max)
- 45%
- 45%
- Late payment fee
- ₹1,300
- ₹1,200Best
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- cashback
- cashback
- Min rate
- 1%
- 1.5%Best
- Max rate
- 10%
- 10%
- Monthly cap
- ₹4,000
- ₹1,200
06—Travel & Lounge
- Domestic lounge / qtr
- 0
- —
- Lounge spend criteria
- —
- No spend condition
- Intl lounge / year
- 0
- 1Best
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- —
- 1.99%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹1,00,000
- ₹50,000
- Invite only
Rows won
01of 07
06of 07
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 67 | 71Best |
| Rating Verdict | Good | Very Good |
| Reward Power (35%) | 35/35 | 35/35 |
| Fee Value & ROI (25%) | 20/25 | 20/25 |
| Lounge & Travel (20%) | 4/20 | 4/20 |
| Forex & Access (20%) | 8/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | HDFC Bank | HSBC Bank |
| Network | Mastercard | Visa |
| Card type | Co-branded | Regular |
| Best for | Heavy Swiggy users: 10% cashback on Swiggy food, Instamart and Dineout | Food delivery & dining — 10% cashback on Swiggy, Zomato & restaurants |
03—Fees Differences highlighted | ||
| Joining fee | ₹1,000 | ₹999Best |
| Annual fee | ₹1,000 | ₹999Best |
| Fee waiver | ₹2,00,000 | ₹2,00,000 |
| Interest-free days | 50Best | 45 |
04—Interest Differences highlighted | ||
| APR (min) | 45% | 45% |
| APR (max) | 45% | 45% |
| Late payment fee | ₹1,300 | ₹1,200Best |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | cashback |
| Min rate | 1% | 1.5%Best |
| Max rate | 10% | 10% |
| Monthly cap | ₹4,000 | ₹1,200 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 0 | — |
| Lounge spend criteria | — | No spend condition |
| Intl lounge / year | 0 | 1Best |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | — | 1.99% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹1,00,000 | ₹50,000 |
| Invite only | ||
| Rows won | 01of 07 | 06of 07 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Swiggy BLCK HDFC Bank Credit Card | HSBC Live+ Credit Card |
|---|---|---|
| CardCheck Score | 67/100Good | 71/100Very Good |
| Annual Fee | ₹1,000 | ₹999 |
| Fee Waiver Spend | ₹2L/yr | ₹2L/yr |
| Max Reward Potential | 10% | 10% |
| Domestic Lounge Access | None | Check terms |
| International Lounge | None | 1 / year |
| Forex Markup Fee | 3.5% | 1.99% |
Choose Swiggy BLCK HDFC Bank Credit Card if:
Your spending centers around heavy swiggy users: 10% cashback on swiggy food, instamart and dineout and you want direct partner rewards with HDFC Bank.
Choose HSBC Live+ Credit Card if:
Your spending aligns with food delivery & dining — 10% cashback on swiggy, zomato & restaurants and you prioritize HSBC Bank's redemption benefits.
Popular Comparisons for Swiggy BLCK HDFC Bank Credit Card
Direct side-by-side MITC term matchups
Popular Comparisons for HSBC Live+ Credit Card
Direct side-by-side MITC term matchups
Frequently asked questions: Swiggy BLCK HDFC Bank Credit Card vs HSBC Live+ Credit Card
- Which is better: Swiggy BLCK HDFC Bank Credit Card or HSBC Live+ Credit Card?
- HSBC Live+ Credit Card holds a higher overall rating with a CardCheck Score of 71/100 (Very Good) compared to 67/100 (Good) for Swiggy BLCK HDFC Bank Credit Card (a lead of +4 points). HSBC Live+ Credit Card gains its scoring lead primarily through forex & terms (12 vs 8) while tying on reward potential and fee value & ROI and lounge & travel privileges.
- How do annual fees and fee waiver spend rules compare?
- Swiggy BLCK HDFC Bank Credit Card charges an annual fee of ₹1,000 with an annual spend threshold of ₹2 Lakh for renewal fee waiver. In comparison, HSBC Live+ Credit Card charges an annual fee of ₹999 with an annual spend threshold of ₹2 Lakh.
- How do the reward rates and cashback compare between Swiggy BLCK HDFC Bank Credit Card and HSBC Live+ Credit Card?
- Swiggy BLCK HDFC Bank Credit Card offers a base reward rate of 1% and up to 10% on accelerated partner categories. Meanwhile, HSBC Live+ Credit Card offers a base rate of 1.5% and up to 10% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: Swiggy BLCK HDFC Bank Credit Card or HSBC Live+ Credit Card?
- Swiggy BLCK HDFC Bank Credit Card provides no complimentary airport lounge access. On the other hand, HSBC Live+ Credit Card provides 1 international lounge visit/year.
- Which card is better for international foreign currency spends?
- Swiggy BLCK HDFC Bank Credit Card levies a foreign currency markup fee of 3.50%, while HSBC Live+ Credit Card charges 1.99%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).