#1 
HSBC Live+ Credit Card
HSBC India · Visa
Annual Fee ₹999
Joining Fee ₹999
Forex 3.5%
Rewards 10% cashback on Swiggy, Zomato, Ola; 1.5% on all other spends
- 10% cashback on Swiggy, Zomato, and Ola is the highest rate in this category
- Cashback credited directly to statement
- Cap: ₹3,000/month on partner cashback (still excellent value)
Apply via issuer website