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

HSBC Live+ Credit Card vs ICICI Bank MakeMyTrip Credit Card vs SBI SimplyCLICK

Honest side-by-side comparison of HSBC Live+ Credit Card, ICICI Bank MakeMyTrip 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 ICICI Bank MakeMyTrip Credit Card by about ₹5,040/yr.

HSBC Live+ Credit Card vs ICICI Bank MakeMyTrip Credit Card vs SBI SimplyCLICK comparison table
Feature	HSBC Live+ Credit Card HSBC	ICICI Bank MakeMyTrip Credit Card ICICI Bank	SBI SimplyCLICK SBI Card
Fees & eligibility
Annual fee	₹999	₹999	₹499
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Waived at ₹3,00,000/yr spend	No waiver published
Min income	₹30,000/mo	₹35,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹8,940/yr	₹3,900/yr	₹1,781/yr
Online shopping	—	—	10 pts per ₹150 spend → ₹167/mo (₹2,000/yr)
Dining & delivery	10% cashback → ₹400/mo (₹4,800/yr)	—	—
Travel	—	15 pts per ₹150 spend → ₹125/mo (₹1,500/yr)	—
Top reward rate	10%	10X reward points	10X points
Primary reward cap	₹1,000 rewards/mo cap	No monthly cap published	₹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 · Wallet · Insurance	EMI · Fuel · Rent · Wallet	EMI · Fuel · Rent · Wallet
Bonuses
Signup bonus	—	₹1,500	₹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

HSBC Live+ Credit Card

HSBC

Card 2

ICICI Bank MakeMyTrip Credit Card

ICICI Bank

Card 3

SBI SimplyCLICK

SBI Card

Your adjusted comparison

Feature	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	ICICI BankPlatinum ICICI Bank MakeMyTrip Credit Card •••• •••• •••• 4242 Quick facts ICICI Bank MakeMyTrip Credit Card Top reward10X reward points Annual fee₹999 Min income₹35,000/mo Tap to flip back ICICI Bank MakeMyTrip Credit Card ICICI Bank	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 ₹3,00,000/yr spend	No waiver published
Min income	₹30,000/mo	₹35,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹8,940/yr	₹3,900/yr	₹1,781/yr
Online shopping	—	—	10 pts per ₹150 spend → ₹167/mo (₹2,000/yr)
Dining & delivery	10% cashback → ₹400/mo (₹4,800/yr)	—	—
Travel	—	15 pts per ₹150 spend → ₹125/mo (₹1,500/yr)	—
Top reward rate	10%	10X reward points	10X points
Primary reward cap	₹1,000 rewards/mo cap	No monthly cap published	₹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 · Wallet · Insurance	EMI · Fuel · Rent · Wallet	EMI · Fuel · Rent · Wallet
Bonuses
Signup bonus	—	₹1,500	₹500

HSBC Live+ Credit Card details →ICICI Bank MakeMyTrip 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 HSBC Live+ Credit Card comparisons