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?

HSBC Live+ Credit Card lists a minimum monthly income of ₹30,000.

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 World Safari vs SBI Card MILES

Honest side-by-side comparison of HSBC Live+ Credit Card, RBL World Safari, 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 World Safari vs SBI Card MILES comparison table
Feature	HSBC Live+ Credit Card HSBC	RBL World Safari RBL Bank	SBI Card MILES SBI Card
Fees & eligibility
Annual fee	₹999	₹3,000	₹1,499
Fee waiver threshold	Waived at ₹2,00,000/yr spend	No waiver published	Waived at ₹3,00,000/yr spend
Min income	₹30,000/mo	₹50,000/mo	₹35,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹8,940/yr	₹1,968/yr	₹3,290/yr
Dining & delivery	10% cashback → ₹400/mo (₹4,800/yr)	—	—
Travel	—	4 pts per ₹150 spend → ₹40/mo (₹480/yr)	9 pts per ₹150 spend → ₹75/mo (₹900/yr)
Top reward rate	10%	4X points	6X reward points
Primary reward cap	₹1,000 rewards/mo cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	None	2 domestic/quarter + 2 intl/year (Priority Pass) · ₹35,000/quarter retail spend for domestic lounge from Jul 2025; bonus PP visit at ₹50k/quarter	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet · Insurance	EMI · Rent · Wallet	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	—	₹3,000	₹2,000

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?: HSBC Live+ Credit Card lists a minimum monthly income of ₹30,000.
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 World Safari

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 BankPlatinum RBL World Safari •••• •••• •••• 4242 Quick facts RBL World Safari Top reward4X points Annual fee₹3,000 Min income₹50,000/mo Tap to flip back RBL World Safari 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	₹3,000	₹1,499
Fee waiver threshold	Waived at ₹2,00,000/yr spend	No waiver published	Waived at ₹3,00,000/yr spend
Min income	₹30,000/mo	₹50,000/mo	₹35,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹8,940/yr	₹1,968/yr	₹3,290/yr
Dining & delivery	10% cashback → ₹400/mo (₹4,800/yr)	—	—
Travel	—	4 pts per ₹150 spend → ₹40/mo (₹480/yr)	9 pts per ₹150 spend → ₹75/mo (₹900/yr)
Top reward rate	10%	4X points	6X reward points
Primary reward cap	₹1,000 rewards/mo cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	None	2 domestic/quarter + 2 intl/year (Priority Pass) · ₹35,000/quarter retail spend for domestic lounge from Jul 2025; bonus PP visit at ₹50k/quarter	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet · Insurance	EMI · Rent · Wallet	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	—	₹3,000	₹2,000

HSBC Live+ Credit Card details →RBL World Safari 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