CARD VS CARD · 28 APPS COMPARED
HSBC Live+ vs Cashback+ Kotak
HSBC Live+ wins on 25 apps, Cashback+ Kotak on 3. HSBC Live+ for Airtel Thanks and AJIO; Cashback+ Kotak for BookMyShow and District.
Cashback+ Kotak
3 apps
Best for BookMyShow, District and PVR INOX
App by app
Biggest differences first. Blue marks the card that earns more.
Airtel Thanks10%0%
AJIO10%0.5%
Meesho10%0.5%
Nykaa10%0.5%
Reliance Digital10%0.5%
Tata CLiQ10%0.5%
Tata Neu10%0.5%
BigBasket10%5%
Blinkit10%5%
Domino's10%5%
JioMart10%5%
Swiggy10%5%
Swiggy Instamart10%5%
Zepto10%5%
Zomato10%5%
BookMyShow1.5%5%
District1.5%5%
PVR INOX1.5%5%
Amazon1.5%0.5%
Apollo 24|71.5%0.5%
Cleartrip1.5%0.5%
Flipkart1.5%0.5%
Goibibo1.5%0.5%
ixigo1.5%0.5%
MakeMyTrip1.5%0.5%
Myntra1.5%0.5%
Uber1.5%0.5%
IRCTC Rail Connect0.32%0%
Questions people ask
Which is better, HSBC Live+ or Cashback+ Kotak?
HSBC Live+ earns more on 25 of the 28 apps Pickkard covers, Cashback+ Kotak on 3, and they earn the same on 0. Choose HSBC Live+ if you spend most on Airtel Thanks, AJIO and Meesho. Choose Cashback+ Kotak if you spend most on BookMyShow, District and PVR INOX. Cashback+ Kotak has the lower annual fee (₹750 against ₹999).
Which has the lower fees, HSBC Live+ or Cashback+ Kotak?
HSBC Live+: joining ₹999, annual ₹999 (Annual fee (with GST) reversed when primary and add-on card spend exceeds ₹2,00,000 in the card year.). Cashback+ Kotak: joining ₹750, annual ₹750 (Annual fee waived on annual retail spends of ₹2,00,000.).
Can I use both HSBC Live+ and Cashback+ Kotak?
Yes. Many people keep both and use each where it earns more: HSBC Live+ on Airtel Thanks, AJIO and Meesho, Cashback+ Kotak on BookMyShow, District and PVR INOX. Pickkard tells you which one to use each time you open a shopping app.
Rewards are as per each bank’s published terms (checked 22 Oct 2026 and 22 Oct 2026) and can change. Limits and minimum orders apply; see each card’s page for details. Pickkard isn’t a bank and isn’t paid by any bank for comparisons.