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CARD VS CARD · 28 APPS COMPARED

Swiggy BLCK HDFC vs HSBC Live+

Swiggy BLCK HDFC wins on 8 apps, HSBC Live+ on 18. Swiggy BLCK HDFC for Amazon and BookMyShow; HSBC Live+ for Airtel Thanks and BigBasket.

Swiggy BLCK HDFC Bank Credit Card

Swiggy BLCK HDFC

8 apps

Best for Amazon, BookMyShow and Cleartrip

₹1,000 a yearFee waived at ₹75,000 spendPaid as cashback
HSBC Live+ Credit Card

HSBC Live+

18 apps

Best for Airtel Thanks, BigBasket and Blinkit

₹999 a yearPaid as cashback

They earn the same on 2 apps.

App by app

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

AppSwiggy BLCK HDFCHSBC Live+
  1. Airtel Thanks1%min ₹10010%
  2. BigBasket1%min ₹10010%
  3. Blinkit1%min ₹10010%
  4. Domino's1%min ₹10010%
  5. JioMart1%min ₹10010%
  6. Tata CLiQ1%min ₹10010%
  7. Tata Neu1%min ₹10010%
  8. Zepto1%min ₹10010%
  9. Zomato1%min ₹10010%
  10. AJIO5%min ₹10010%
  11. Meesho5%min ₹10010%
  12. Nykaa5%min ₹10010%
  13. Reliance Digital5%min ₹10010%
  14. Amazon5%min ₹1001.5%
  15. BookMyShow5%min ₹1001.5%
  16. Cleartrip5%min ₹1001.5%
  17. Flipkart5%min ₹1001.5%
  18. Goibibo5%min ₹1001.5%
  19. ixigo5%min ₹1001.5%
  20. Myntra5%min ₹1001.5%
  21. Uber5%min ₹1001.5%
  22. Apollo 24|71%min ₹1001.5%
  23. District1%min ₹1001.5%
  24. MakeMyTrip1%min ₹1001.5%
  25. PVR INOX1%min ₹1001.5%
  26. IRCTC Rail Connect0%min ₹1000.32%
  27. Swiggy10%min ₹24910%
  28. Swiggy Instamart10%min ₹24910%

Questions people ask

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

Swiggy BLCK HDFC earns more on 8 of the 28 apps Pickkard covers, HSBC Live+ on 18, and they earn the same on 2. Choose Swiggy BLCK HDFC if you spend most on Amazon, BookMyShow and Cleartrip. Choose HSBC Live+ if you spend most on Airtel Thanks, BigBasket and Blinkit. HSBC Live+ has the lower annual fee (₹999 against ₹1,000).

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

Swiggy BLCK HDFC: joining ₹1,000, annual ₹1,000 (Joining fee waived on ₹75,000 of spend in the first 90 days; renewal fee waived on ₹2,00,000 or more of spend in a year.). 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.).

Can I use both Swiggy BLCK HDFC and HSBC Live+?

Yes. Many people keep both and use each where it earns more: Swiggy BLCK HDFC on Amazon, BookMyShow and Cleartrip, HSBC Live+ on Airtel Thanks, BigBasket and Blinkit. 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.