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CARD VS CARD · 28 APPS COMPARED

HSBC Live+ vs HDFC Millennia

HSBC Live+ wins on 23 apps, HDFC Millennia on 5. HSBC Live+ for Airtel Thanks and AJIO; HDFC Millennia for Amazon and BookMyShow.

HSBC Live+ Credit Card

HSBC Live+

23 apps

Best for Airtel Thanks, AJIO and BigBasket

₹999 a yearPaid as cashback
HDFC Bank Millennia Credit Card

HDFC Millennia

5 apps

Best for Amazon, BookMyShow and Flipkart

₹1,000 a yearFee waived at ₹1,00,000 spendPaid as Reward Points

App by app

Biggest differences first. Blue marks the card that earns more.

AppHSBC Live+HDFC Millennia
  1. Airtel Thanks10%1%
  2. AJIO10%1%
  3. BigBasket10%1%
  4. Blinkit10%1%
  5. Domino's10%1%
  6. JioMart10%1%
  7. Meesho10%1%
  8. Nykaa10%1%
  9. Reliance Digital10%1%
  10. Swiggy Instamart10%1%
  11. Tata Neu10%1%
  12. Zepto10%1%
  13. Swiggy10%5%
  14. Tata CLiQ10%5%
  15. Zomato10%5%
  16. Amazon1.5%5%
  17. BookMyShow1.5%5%
  18. Flipkart1.5%5%
  19. Myntra1.5%5%
  20. Uber1.5%5%
  21. Apollo 24|71.5%1%
  22. Cleartrip1.5%1%
  23. District1.5%1%
  24. Goibibo1.5%1%
  25. ixigo1.5%1%
  26. MakeMyTrip1.5%1%
  27. PVR INOX1.5%1%
  28. IRCTC Rail Connect0.32%0%

Questions people ask

Which is better, HSBC Live+ or HDFC Millennia?

HSBC Live+ earns more on 23 of the 28 apps Pickkard covers, HDFC Millennia on 5, and they earn the same on 0. Choose HSBC Live+ if you spend most on Airtel Thanks, AJIO and BigBasket. Choose HDFC Millennia if you spend most on Amazon, BookMyShow and Flipkart. HSBC Live+ has the lower annual fee (₹999 against ₹1,000).

Which has the lower fees, HSBC Live+ or HDFC Millennia?

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.). HDFC Millennia: joining ₹1,000, annual ₹1,000 (Renewal fee waived for the next year after ₹1,00,000 of spend in 12 months.).

Can I use both HSBC Live+ and HDFC Millennia?

Yes. Many people keep both and use each where it earns more: HSBC Live+ on Airtel Thanks, AJIO and BigBasket, HDFC Millennia on Amazon, BookMyShow and Flipkart. 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.