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?

SBI BPCL Octane leads with an estimated ₹9,570/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 SBI BPCL Octane vs SBI Card MILES

Honest side-by-side comparison of HSBC Live+ Credit Card, SBI BPCL Octane, 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, SBI BPCL Octane ranks first for estimated net annual value — ahead of HSBC Live+ Credit Card by about ₹630/yr.

HSBC Live+ Credit Card vs SBI BPCL Octane vs SBI Card MILES comparison table
Feature	HSBC Live+ Credit Card HSBC	SBI BPCL Octane SBI Card	SBI Card MILES SBI Card
Fees & eligibility
Annual fee	₹999	₹1,499	₹1,499
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Waived at ₹2,00,000/yr spend	Waived at ₹3,00,000/yr spend
Min income	₹30,000/mo	₹30,000/mo	₹35,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹8,940/yr	₹9,570/yr	₹3,290/yr
Groceries (offline)	—	6 pts per ₹150 spend → ₹60/mo (₹720/yr)	—
Dining & delivery	10% cashback → ₹400/mo (₹4,800/yr)	6 pts per ₹150 spend → ₹40/mo (₹480/yr)	—
Fuel	—	37.5 pts per ₹150 spend → ₹250/mo (₹3,000/yr)	—
Travel	—	—	9 pts per ₹150 spend → ₹75/mo (₹900/yr)
Top reward rate	10%	25X points	6X reward points
Primary reward cap	₹1,000 rewards/mo cap	₹10,000 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	Non-BPCL fuel · EMI · Rent · Wallet	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	—	₹6,000	₹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?: SBI BPCL Octane leads with an estimated ₹9,570/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

SBI BPCL Octane

SBI Card

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	SBI CardPlatinum SBI BPCL Octane •••• •••• •••• 4242 Quick facts SBI BPCL Octane Top reward25X points Annual fee₹1,499 Min income₹30,000/mo Tap to flip back SBI BPCL Octane SBI Card	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	₹1,499	₹1,499
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Waived at ₹2,00,000/yr spend	Waived at ₹3,00,000/yr spend
Min income	₹30,000/mo	₹30,000/mo	₹35,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹8,940/yr	₹9,570/yr	₹3,290/yr
Groceries (offline)	—	6 pts per ₹150 spend → ₹60/mo (₹720/yr)	—
Dining & delivery	10% cashback → ₹400/mo (₹4,800/yr)	6 pts per ₹150 spend → ₹40/mo (₹480/yr)	—
Fuel	—	37.5 pts per ₹150 spend → ₹250/mo (₹3,000/yr)	—
Travel	—	—	9 pts per ₹150 spend → ₹75/mo (₹900/yr)
Top reward rate	10%	25X points	6X reward points
Primary reward cap	₹1,000 rewards/mo cap	₹10,000 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	Non-BPCL fuel · EMI · Rent · Wallet	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	—	₹6,000	₹2,000

HSBC Live+ Credit Card details →SBI BPCL Octane details →SBI Card MILES details →

Share this comparison

https://cardhungry.com/in/en/compare/hsbc-live-plus-vs-sbi-bpcl-octane-vs-sbi-card-miles

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HSBC Live+ Credit Card comparisons