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?

HSBC Live+ Credit Card leads with an estimated ₹8,940/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 Card ELITE

Honest side-by-side comparison of American Express Gold Card, HSBC Live+ Credit Card, SBI Card ELITE — 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, HSBC Live+ Credit Card ranks first for estimated net annual value — ahead of SBI Card ELITE by about ₹7,239/yr.

American Express Gold Card vs HSBC Live+ Credit Card vs SBI Card ELITE comparison table
Feature	American Express Gold Card American Express	HSBC Live+ Credit Card HSBC	SBI Card ELITE SBI Card
Fees & eligibility
Annual fee	₹4,500	₹999	₹4,999
Fee waiver threshold	No waiver published	Waived at ₹2,00,000/yr spend	₹10,00,000/yr
Min income	₹60,000/mo	₹30,000/mo	₹60,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹570/yr	₹8,940/yr	₹1,701/yr
Dining & delivery	4 pts per ₹150 spend → ₹53/mo (₹640/yr)	10% cashback → ₹400/mo (₹4,800/yr)	—
Travel	—	—	8 pts per ₹150 spend → ₹67/mo (₹800/yr)
Top reward rate	4X Membership Rewards/₹150	10%	5X reward points
Primary reward cap	No monthly cap published	₹1,000 rewards/mo cap	No monthly cap published
Perks & restrictions
Lounge access	None	None	8 complimentary domestic lounge visits per year · No minimum spend required for lounge access
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	Fuel · Rent · Wallet · EMI · Government
Bonuses
Signup bonus	₹4,000	—	₹5,000

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?: HSBC Live+ Credit Card leads with an estimated ₹8,940/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 Card ELITE

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 Card ELITE •••• •••• •••• 4242 Quick facts SBI Card ELITE Top reward5X reward points Annual fee₹4,999 Min income₹60,000/mo Tap to flip back SBI Card ELITE SBI Card
Fees & eligibility
Annual fee	₹4,500	₹999	₹4,999
Fee waiver threshold	No waiver published	Waived at ₹2,00,000/yr spend	₹10,00,000/yr
Min income	₹60,000/mo	₹30,000/mo	₹60,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹570/yr	₹8,940/yr	₹1,701/yr
Dining & delivery	4 pts per ₹150 spend → ₹53/mo (₹640/yr)	10% cashback → ₹400/mo (₹4,800/yr)	—
Travel	—	—	8 pts per ₹150 spend → ₹67/mo (₹800/yr)
Top reward rate	4X Membership Rewards/₹150	10%	5X reward points
Primary reward cap	No monthly cap published	₹1,000 rewards/mo cap	No monthly cap published
Perks & restrictions
Lounge access	None	None	8 complimentary domestic lounge visits per year · No minimum spend required for lounge access
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	Fuel · Rent · Wallet · EMI · Government
Bonuses
Signup bonus	₹4,000	—	₹5,000

American Express Gold Card details →HSBC Live+ Credit Card details →SBI Card ELITE 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