#1₹7,470/yr
HSBC Live+ Credit Card
10% · Cashback Kings
Best net value on this list — about ₹7,470/yr in your pocket after fees on typical spends.
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Age 21–60 · From ₹40,000/mo income · Unsecured
Cashback Kings·HSBC
Flat cashback without category tracking hassle.
Age 21–60 · From ₹40,000/mo income · Unsecured
Key Benefits
All 7 benefits →Dining (first year)
10%
₹1,000/mo
All other spends
1.5%
Unlimited flat cashback
Lounge
4 domestic visits/year
Lounge
4/yr
Zero sales calls. Ever.
Caps & exclusions verified · 2026-06-12
On the bank's site: You'll apply on the bank's website. They may ask for contact details and follow up on your application.
We earn commission if approved — at no cost to you.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: HSBC Cashback / Live+ T&Cs
Flat cashback on spends — no points math
Source: HSBC Cashback / Live+ T&Cs
Dining (first year)
10%
Cap: ₹1,000/mo
Example: ₹1,000/mo spend → ≈ ₹100/mo (max at cap)
All other spends
Unlimited flat cashback
1.5%
Example: ₹10,000/mo spend → ≈ ₹150/mo
Lounge
4 domestic visits/year
Lounge access
4 domestic airport lounge visits per year (1/quarter)
Spend criteria: No minimum spend required for lounge access
Based on moderate spend for this market
Est. net annual
₹6,291
per year
Annual fee
₹1,179
per year
Effective return
1.7%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₹999 · Forex 3.5% on international transactions — tap for full fees
Joining fee
Charged in first year
₹999
Annual / renewal fee
Charged every year unless waived
₹999
Forex markup
3.5% on international transactions
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
₹400–₹1,300 depending on statement balance — always pay on time
Reward redemption fee
Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee
Example: moderate user · Steady year
Signup bonus is excluded here — switch to Year 1 on the hero or open the calculator for first-year value.
Formulas and assumptions: How we calculate NAV
21–60 years · ₹40,000/mo — tap for full criteria
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
At moderate spend (₹31,000/mo), gross rewards are about ₹7,890/year. After the ₹999 annual fee, net value is approximately ₹6,291/year. Use the calculator above to model your own spends.
₹40,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Fuel, Rent, Wallet top-ups.
Deeper rankings and comparisons for similar use cases.
HSBC Live+ Credit Card
10% · Cashback Kings
Best net value on this list — about ₹7,470/yr in your pocket after fees on typical spends.
American Express SmartEarn Credit Card
10X Membership Rewards · Cashback Kings
Strong runner-up at ₹5,880/yr net — roughly ₹1,590 behind #1 on the same spend mix.
SBI Cashback Credit Card
5% · Cashback Kings
Worth a look — ₹5,520/yr net, still ahead of 0 other eligible cards.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
