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?

SBI Cashback Credit Card lists a minimum monthly income of ₹25,000.

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 Kotak Urbane Gold Credit Card vs SBI Cashback Credit Card

Honest side-by-side comparison of HSBC Live+ Credit Card, Kotak Urbane Gold Credit Card, SBI Cashback Credit Card — 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 Cashback Credit Card by about ₹2,190/yr.

HSBC Live+ Credit Card vs Kotak Urbane Gold Credit Card vs SBI Cashback Credit Card comparison table
Feature	HSBC Live+ Credit Card HSBC	Kotak Urbane Gold Credit Card Kotak Mahindra Bank	SBI Cashback Credit Card SBI Card
Fees & eligibility
Annual fee	₹999	₹1,999	₹999
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Waived at ₹2,00,000/yr spend	Waived at ₹2,00,000/yr spend
Min income	₹30,000/mo	₹30,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹8,940/yr	₹140/yr	₹6,750/yr
Online shopping	—	—	5% cashback → ₹500/mo (₹6,000/yr)
Dining & delivery	10% cashback → ₹400/mo (₹4,800/yr)	3 pts per ₹150 spend → ₹20/mo (₹240/yr)	—
Top reward rate	10%	3X reward points	5%
Primary reward cap	₹1,000 rewards/mo cap	No monthly cap published	₹2,000 rewards/mo cap
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet · Insurance	EMI · Fuel · Rent	Fuel · Utilities · Insurance · Rent · Wallet loads
Bonuses
Signup bonus	—	—	—

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?: SBI Cashback Credit Card lists a minimum monthly income of ₹25,000.
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

Kotak Urbane Gold Credit Card

Kotak Mahindra Bank

Card 3

SBI Cashback Credit Card

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	Kotak Mahindra BankGold Kotak Urbane Gold Credit Card •••• •••• •••• 4242 Quick facts Kotak Urbane Gold Credit Card Top reward3X reward points Annual fee₹1,999 Min income₹30,000/mo Tap to flip back Kotak Urbane Gold Credit Card Kotak Mahindra Bank	SBI CardGold SBI Cashback Credit Card •••• •••• •••• 4242 Quick facts SBI Cashback Credit Card Top reward5% Annual fee₹999 Min income₹25,000/mo Tap to flip back SBI Cashback Credit Card SBI Card
Fees & eligibility
Annual fee	₹999	₹1,999	₹999
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Waived at ₹2,00,000/yr spend	Waived at ₹2,00,000/yr spend
Min income	₹30,000/mo	₹30,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹8,940/yr	₹140/yr	₹6,750/yr
Online shopping	—	—	5% cashback → ₹500/mo (₹6,000/yr)
Dining & delivery	10% cashback → ₹400/mo (₹4,800/yr)	3 pts per ₹150 spend → ₹20/mo (₹240/yr)	—
Top reward rate	10%	3X reward points	5%
Primary reward cap	₹1,000 rewards/mo cap	No monthly cap published	₹2,000 rewards/mo cap
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet · Insurance	EMI · Fuel · Rent	Fuel · Utilities · Insurance · Rent · Wallet loads
Bonuses
Signup bonus	—	—	—

HSBC Live+ Credit Card details →Kotak Urbane Gold Credit Card details →SBI Cashback Credit Card details →

Share this comparison

https://cardhungry.com/in/en/compare/hsbc-live-plus-vs-kotak-urbane-vs-sbi-cashback

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HSBC Live+ Credit Card comparisons