Which card has the lower annual fee?

RBL Bank ShopRite has a ₹0 annual fee (lifetime free or zero-fee tier).

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?

RBL Bank ShopRite lists a minimum monthly income of ₹15,000.

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 RBL Bank ShopRite vs SBI Card MILES

Honest side-by-side comparison of HSBC Live+ Credit Card, RBL Bank ShopRite, SBI Card MILES — 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 MILES by about ₹5,650/yr.

HSBC Live+ Credit Card vs RBL Bank ShopRite vs SBI Card MILES comparison table
Feature	HSBC Live+ Credit Card HSBC	RBL Bank ShopRite RBL Bank	SBI Card MILES SBI Card
Fees & eligibility
Annual fee	₹999	Lifetime free	₹1,499
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Lifetime free	Waived at ₹3,00,000/yr spend
Min income	₹30,000/mo	₹15,000/mo	₹35,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹8,940/yr	₹460/yr	₹3,290/yr
Groceries (offline)	—	5% cashback → ₹50/mo (₹600/yr) (cap hit)	—
Dining & delivery	10% cashback → ₹400/mo (₹4,800/yr)	—	—
Travel	—	—	9 pts per ₹150 spend → ₹75/mo (₹900/yr)
Top reward rate	10%	5% on first ₹1,000/mo	6X reward points
Primary reward cap	₹1,000 rewards/mo cap	₹1,000 eligible spend/mo	No monthly cap published
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 · Rent · Wallet · EMI
Bonuses
Signup bonus	—	—	₹2,000

Frequently asked questions

Which card has the lower annual fee?: RBL Bank ShopRite has a ₹0 annual fee (lifetime free or zero-fee tier).
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?: RBL Bank ShopRite lists a minimum monthly income of ₹15,000.
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

RBL Bank ShopRite

RBL Bank

Card 3

SBI Card MILES

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	RBL BankClassic RBL Bank ShopRite •••• •••• •••• 4242 Quick facts RBL Bank ShopRite Top reward5% on first ₹1,000/mo Annual feeLifetime Free Min income₹15,000/mo Tap to flip back RBL Bank ShopRite RBL Bank	SBI CardPlatinum SBI Card MILES •••• •••• •••• 4242 Quick facts SBI Card MILES Top reward6X reward points Annual fee₹1,499 Min income₹35,000/mo Tap to flip back SBI Card MILES SBI Card
Fees & eligibility
Annual fee	₹999	Lifetime free	₹1,499
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Lifetime free	Waived at ₹3,00,000/yr spend
Min income	₹30,000/mo	₹15,000/mo	₹35,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹8,940/yr	₹460/yr	₹3,290/yr
Groceries (offline)	—	5% cashback → ₹50/mo (₹600/yr) (cap hit)	—
Dining & delivery	10% cashback → ₹400/mo (₹4,800/yr)	—	—
Travel	—	—	9 pts per ₹150 spend → ₹75/mo (₹900/yr)
Top reward rate	10%	5% on first ₹1,000/mo	6X reward points
Primary reward cap	₹1,000 rewards/mo cap	₹1,000 eligible spend/mo	No monthly cap published
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 · Rent · Wallet · EMI
Bonuses
Signup bonus	—	—	₹2,000

HSBC Live+ Credit Card details →RBL Bank ShopRite details →SBI Card MILES 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