Which card has the lower annual fee?

SBI SimplyCLICK has the lowest annual fee at ₹499.

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?

SBI SimplyCLICK lists a minimum monthly income of ₹20,000.

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

Bajaj Finserv DBS Bank SuperCard vs HSBC Live+ Credit Card vs SBI SimplyCLICK

Honest side-by-side comparison of Bajaj Finserv DBS Bank SuperCard, HSBC Live+ Credit Card, SBI SimplyCLICK — 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 SimplyCLICK by about ₹7,159/yr.

Bajaj Finserv DBS Bank SuperCard vs HSBC Live+ Credit Card vs SBI SimplyCLICK comparison table
Feature	Bajaj Finserv DBS Bank SuperCard DBS Bank	HSBC Live+ Credit Card HSBC	SBI SimplyCLICK SBI Card
Fees & eligibility
Annual fee	₹999	₹999	₹499
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Waived at ₹2,00,000/yr spend	No waiver published
Min income	₹25,000/mo	₹30,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹180/yr	₹8,940/yr	₹1,781/yr
Online shopping	2 pts per ₹150 spend → ₹33/mo (₹400/yr)	—	10 pts per ₹150 spend → ₹167/mo (₹2,000/yr)
Dining & delivery	—	10% cashback → ₹400/mo (₹4,800/yr)	—
Top reward rate	2X reward points	10%	10X 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)	Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs
Key exclusions	EMI · Fuel · Rent	EMI · Fuel · Rent · Wallet · Insurance	EMI · Fuel · Rent · Wallet
Bonuses
Signup bonus	—	—	₹500

Frequently asked questions

Which card has the lower annual fee?: SBI SimplyCLICK has the lowest annual fee at ₹499.
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?: SBI SimplyCLICK lists a minimum monthly income of ₹20,000.
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

Bajaj Finserv DBS Bank SuperCard

DBS Bank

Card 2

HSBC Live+ Credit Card

HSBC

Card 3

SBI SimplyCLICK

SBI Card

Your adjusted comparison

Feature	DBS BankGold Bajaj Finserv DBS Bank SuperCard •••• •••• •••• 4242 Quick facts Bajaj Finserv DBS Bank SuperCard Top reward2X reward points Annual fee₹999 Min income₹25,000/mo Tap to flip back Bajaj Finserv DBS Bank SuperCard DBS Bank	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 CardGold SBI SimplyCLICK •••• •••• •••• 4242 Quick facts SBI SimplyCLICK Top reward10X points Annual fee₹499 Min income₹20,000/mo Tap to flip back SBI SimplyCLICK SBI Card
Fees & eligibility
Annual fee	₹999	₹999	₹499
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Waived at ₹2,00,000/yr spend	No waiver published
Min income	₹25,000/mo	₹30,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹180/yr	₹8,940/yr	₹1,781/yr
Online shopping	2 pts per ₹150 spend → ₹33/mo (₹400/yr)	—	10 pts per ₹150 spend → ₹167/mo (₹2,000/yr)
Dining & delivery	—	10% cashback → ₹400/mo (₹4,800/yr)	—
Top reward rate	2X reward points	10%	10X 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)	Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs
Key exclusions	EMI · Fuel · Rent	EMI · Fuel · Rent · Wallet · Insurance	EMI · Fuel · Rent · Wallet
Bonuses
Signup bonus	—	—	₹500

Bajaj Finserv DBS Bank SuperCard details →HSBC Live+ Credit Card details →SBI SimplyCLICK details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Bajaj Finserv DBS Bank SuperCard comparisons