Choosing the right credit card can significantly boost savings, especially if you frequently order food, dine out, shop online, or buy groceries. HDFC Swiggy and HSBC Live+ are two popular cashback-focused credit cards designed for everyday spending.
While both cards offer accelerated rewards on dining and food delivery, they differ in coverage, base rewards, fees, and additional lifestyle perks. Here’s a detailed comparison to help you decide which card suits your spending habits.
Annual Fee and Eligibility
HDFC Swiggy Credit Card
- Joining / annual fee: ₹500 + applicable taxes (fee waiver may apply on meeting spend threshold)
- Best suited for regular Swiggy users and online shoppers
HSBC Live+ Credit Card
- Joining / annual fee: ₹999 + applicable taxes (fee waiver may apply on annual spends)
- Offers broader coverage across dining, groceries, food delivery, retail, and general spends
Summary:
- Swiggy card has lower fees and is easier to obtain.
- HSBC Live+ is more versatile with broader category benefits but comes with slightly higher fees.
Cashback and Rewards
HDFC Swiggy Credit Card
- 10% cashback on Swiggy food orders, Instamart, and Swiggy Dineout services (capped per month)
- 5% cashback on select online merchant spends (monthly cap applies)
- 1% cashback on all other eligible spends
- Welcome benefit: Complimentary 3-month Swiggy One membership
HSBC Live+ Credit Card
- 10% cashback on dining, groceries, and food delivery (monthly cap applies)
- 1.5% cashback on other spends without a cap
- Additional perks: up to 15% discount on dining at partner restaurants
- Welcome benefit: Initial cashback or rewards on first spends
Summary:
- Swiggy card maximizes cashback on a single platform.
- HSBC Live+ provides broader rewards on multiple categories and higher base cashback for general spending.
Read More: Best Cashback Credit Card
Dining, Food Delivery, and Lifestyle Perks
HDFC Swiggy
- Ideal for Swiggy ecosystem users
- Swiggy One membership adds extra value for frequent users
- Moderate lifestyle perks such as occasional fee waivers on spends
HSBC Live+
- Flexible rewards across dining, groceries, food delivery, and retail
- Dining discounts of up to 15% at partner restaurants
- Lifestyle benefits include limited domestic lounge access
- Suitable for users who want varied category rewards and broader lifestyle perks
Read More: Best Dining Credit Card
Comparison Table
Who Should Choose Which Card
Choose HDFC Swiggy Credit Card if:
- You order food, groceries, and dine out primarily via Swiggy.
- You want higher cashback on a specific platform.
- You prefer a lower-fee card with simple rewards.
- You enjoy brand-specific benefits like Swiggy One membership.
Choose HSBC Live+ Credit Card if:
- You dine at multiple restaurants and shop across different platforms.
- You want a card that provides flexible rewards across categories.
- You prefer a slightly higher base cashback rate on general spends.
- You value additional perks like dining discounts and limited lounge access.
Final Verdict
Both HDFC Swiggy and HSBC Live+ credit cards are excellent for cashback-focused users, but they cater to different spending habits:
- HDFC Swiggy: Best for users loyal to Swiggy and looking for maximum cashback within that ecosystem.
- HSBC Live+: Best for users who want flexibility and value across multiple categories including dining, groceries, and lifestyle.
Your choice depends on how and where you spend most. For Swiggy loyalists, the Swiggy card maximizes rewards. For users with diversified spending, HSBC Live+ provides better overall value.