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HSBC Live+ Credit Card vs SBI Cashback Credit Card

Honest side-by-side comparison of HSBC Live+ Credit Card, SBI Cashback Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

HSBC Live+ Credit Card

HSBC

SBI Cashback Credit Card

SBI Card

Your adjusted comparison

Feature
HSBC Live+ Credit Card

HSBC Live+ Credit Card

HSBC

SBI Cashback Credit Card

SBI Cashback Credit Card

SBI Card

Fees & eligibility
Annual fee₹999₹999
Fee waiver thresholdWaived at ₹2,00,000/yr spendWaived at ₹2,00,000/yr spend
Min income₹30,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹7,470/yr₹5,520/yr
Online shopping—₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹2,000/mo
Dining & delivery₹3,500 × 10% = ₹350/mo (₹4,200/yr) · issuer max ₹1,000/mo—
Top reward rate10%5%
Primary reward cap₹1,000 rewards/mo cap₹2,000 rewards/mo cap
Perks & restrictions
Lounge access4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge accessNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Wallet · InsuranceFuel · Utilities · Insurance · Rent · Wallet loads
Bonuses
Signup bonus——

Stack mode (hold both)

Cap-aware split: ~₹10,830/yr combined NAV (₹3,360 vs best solo). Both annual fees apply.

HSBC Live+ Credit Card details →SBI Cashback Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, HSBC Live+ Credit Card leads SBI Cashback Credit Card by about ₹1,950/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

HSBC Live+ Credit Card vs SBI Cashback Credit Card comparison table
FeatureHSBC Live+ Credit Card

HSBC

SBI Cashback Credit Card

SBI Card

Fees & eligibility
Annual fee₹999₹999
Fee waiver thresholdWaived at ₹2,00,000/yr spendWaived at ₹2,00,000/yr spend
Min income₹30,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹7,470/yr₹5,520/yr
Online shopping—₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹2,000/mo
Dining & delivery₹3,500 × 10% = ₹350/mo (₹4,200/yr) · issuer max ₹1,000/mo—
Top reward rate10%5%
Primary reward cap₹1,000 rewards/mo cap₹2,000 rewards/mo cap
Perks & restrictions
Lounge access4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge accessNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Wallet · InsuranceFuel · 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 ₹7,470/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.

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