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HSBC Live+ Credit Card vs RBL Bank ShopRite vs SBI Card ELITE

Honest side-by-side comparison of HSBC Live+ Credit Card, RBL Bank ShopRite, 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.

HSBC Live+ Credit Card vs RBL Bank ShopRite vs SBI Card ELITE comparison table
FeatureHSBC Live+ Credit Card

HSBC

RBL Bank ShopRite

RBL Bank

SBI Card ELITE

SBI Card

Fees & eligibility
Annual fee₹999Lifetime free₹4,999
Fee waiver thresholdWaived at ₹2,00,000/yr spendLifetime free₹10,00,000/yr
Min income₹30,000/mo₹15,000/mo₹60,000/mo
Secured / FD-backedStandardStandardStandard
Rewards
Net annual value (moderate)₹8,940/yr₹460/yr₹1,701/yr
Groceries (offline)—5% cashback → ₹50/mo (₹600/yr) (cap hit)—
Dining & delivery10% cashback → ₹400/mo (₹4,800/yr)——
Travel——8 pts per ₹150 spend → ₹67/mo (₹800/yr)
Top reward rate10%5% on first ₹1,000/mo5X reward points
Primary reward cap₹1,000 rewards/mo cap₹1,000 eligible spend/moNo monthly cap published
Perks & restrictions
Lounge accessNoneNone8 complimentary domestic lounge visits per year · No minimum spend required for lounge access
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Wallet · InsuranceEMI · Fuel · RentFuel · Rent · Wallet · EMI · Government
Bonuses
Signup bonus——₹5,000

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.

HSBC Live+ Credit Card

HSBC

RBL Bank ShopRite

RBL Bank

SBI Card ELITE

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 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₹999Lifetime free₹4,999
Fee waiver thresholdWaived at ₹2,00,000/yr spendLifetime free₹10,00,000/yr
Min income₹30,000/mo₹15,000/mo₹60,000/mo
Secured / FD-backedStandardStandardStandard
Rewards
Net annual value (moderate)₹8,940/yr₹460/yr₹1,701/yr
Groceries (offline)—5% cashback → ₹50/mo (₹600/yr) (cap hit)—
Dining & delivery10% cashback → ₹400/mo (₹4,800/yr)——
Travel——8 pts per ₹150 spend → ₹67/mo (₹800/yr)
Top reward rate10%5% on first ₹1,000/mo5X reward points
Primary reward cap₹1,000 rewards/mo cap₹1,000 eligible spend/moNo monthly cap published
Perks & restrictions
Lounge accessNoneNone8 complimentary domestic lounge visits per year · No minimum spend required for lounge access
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Wallet · InsuranceEMI · Fuel · RentFuel · Rent · Wallet · EMI · Government
Bonuses
Signup bonus——₹5,000
HSBC Live+ Credit Card details →RBL Bank ShopRite details →SBI Card ELITE details →

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