Which card has the lower annual fee?

HSBC Live+ Credit Card has the lowest annual fee at ₹999.

Which card earns more on moderate spend?

SBI BPCL Octane leads with an estimated ₹9,570/yr net annual value on moderate spend.

Which card has the lower income requirement?

HSBC Live+ Credit Card lists a minimum monthly income of ₹30,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

American Express Gold Card vs HSBC Live+ Credit Card vs SBI BPCL Octane

Honest side-by-side comparison of American Express Gold Card, HSBC Live+ Credit Card, SBI BPCL Octane — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI BPCL Octane ranks first for estimated net annual value — ahead of HSBC Live+ Credit Card by about ₹630/yr.

American Express Gold Card vs HSBC Live+ Credit Card vs SBI BPCL Octane comparison table
Feature	American Express Gold Card American Express	HSBC Live+ Credit Card HSBC	SBI BPCL Octane SBI Card
Fees & eligibility
Annual fee	₹4,500	₹999	₹1,499
Fee waiver threshold	No waiver published	Waived at ₹2,00,000/yr spend	Waived at ₹2,00,000/yr spend
Min income	₹60,000/mo	₹30,000/mo	₹30,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹570/yr	₹8,940/yr	₹9,570/yr
Groceries (offline)	—	—	6 pts per ₹150 spend → ₹60/mo (₹720/yr)
Dining & delivery	4 pts per ₹150 spend → ₹53/mo (₹640/yr)	10% cashback → ₹400/mo (₹4,800/yr)	6 pts per ₹150 spend → ₹40/mo (₹480/yr)
Fuel	—	—	37.5 pts per ₹150 spend → ₹250/mo (₹3,000/yr)
Top reward rate	4X Membership Rewards/₹150	10%	25X points
Primary reward cap	No monthly cap published	₹1,000 rewards/mo cap	₹10,000 eligible spend/mo
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Insurance	EMI · Fuel · Rent · Wallet · Insurance	Non-BPCL fuel · EMI · Rent · Wallet
Bonuses
Signup bonus	₹4,000	—	₹6,000

Frequently asked questions

Which card has the lower annual fee?: HSBC Live+ Credit Card has the lowest annual fee at ₹999.
Which card earns more on moderate spend?: SBI BPCL Octane leads with an estimated ₹9,570/yr net annual value on moderate spend.
Which card has the lower income requirement?: HSBC Live+ Credit Card lists a minimum monthly income of ₹30,000.
Does this comparison pull my credit score?: No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Customize your spend

Change spend profile or swap cards — results update live below.

Card 1

American Express Gold Card

American Express

Card 2

HSBC Live+ Credit Card

HSBC

Card 3

SBI BPCL Octane

SBI Card

Your adjusted comparison

Feature	American ExpressGold American Express Gold Card •••• •••• •••• 4242 Quick facts American Express Gold Card Top reward4X Membership Rewards/₹150 Annual fee₹4,500 Min income₹60,000/mo Tap to flip back American Express Gold Card American Express	HSBCGold HSBC Live+ Credit Card •••• •••• •••• 4242 Quick facts HSBC Live+ Credit Card Top reward10% Annual fee₹999 Min income₹30,000/mo Tap to flip back HSBC Live+ Credit Card HSBC	SBI CardPlatinum SBI BPCL Octane •••• •••• •••• 4242 Quick facts SBI BPCL Octane Top reward25X points Annual fee₹1,499 Min income₹30,000/mo Tap to flip back SBI BPCL Octane SBI Card
Fees & eligibility
Annual fee	₹4,500	₹999	₹1,499
Fee waiver threshold	No waiver published	Waived at ₹2,00,000/yr spend	Waived at ₹2,00,000/yr spend
Min income	₹60,000/mo	₹30,000/mo	₹30,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹570/yr	₹8,940/yr	₹9,570/yr
Groceries (offline)	—	—	6 pts per ₹150 spend → ₹60/mo (₹720/yr)
Dining & delivery	4 pts per ₹150 spend → ₹53/mo (₹640/yr)	10% cashback → ₹400/mo (₹4,800/yr)	6 pts per ₹150 spend → ₹40/mo (₹480/yr)
Fuel	—	—	37.5 pts per ₹150 spend → ₹250/mo (₹3,000/yr)
Top reward rate	4X Membership Rewards/₹150	10%	25X points
Primary reward cap	No monthly cap published	₹1,000 rewards/mo cap	₹10,000 eligible spend/mo
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Insurance	EMI · Fuel · Rent · Wallet · Insurance	Non-BPCL fuel · EMI · Rent · Wallet
Bonuses
Signup bonus	₹4,000	—	₹6,000

American Express Gold Card details →HSBC Live+ Credit Card details →SBI BPCL Octane details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More American Express Gold Card comparisons