Side-by-side · honest numbers
HSBC Live+ Credit Card vs SBI Card ELITE vs SBI SimplySAVE
Honest side-by-side comparison of HSBC Live+ Credit Card, SBI Card ELITE, SBI SimplySAVE — 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 SimplySAVE by about ₹3,459/yr.
| Feature | HSBC Live+ Credit Card HSBC | SBI Card ELITE SBI Card | SBI SimplySAVE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹999 | ₹4,999 | ₹499 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | ₹10,00,000/yr | No waiver published |
| Min income | ₹30,000/mo | ₹60,000/mo | ₹18,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹8,940/yr | ₹1,701/yr | ₹5,481/yr |
| Groceries (offline) | — | — | 15 pts per ₹150 spend → ₹150/mo (₹1,800/yr) |
| Dining & delivery | 10% cashback → ₹400/mo (₹4,800/yr) | — | 15 pts per ₹150 spend → ₹100/mo (₹1,200/yr) |
| Fuel | — | — | 15 pts per ₹150 spend → ₹100/mo (₹1,200/yr) |
| Travel | — | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) | — |
| Top reward rate | 10% | 5X reward points | 10 RP/₹100 |
| Primary reward cap | ₹1,000 rewards/mo cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | 8 complimentary domestic lounge visits per year · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps |
| Key exclusions | EMI · Fuel · Rent · Wallet · Insurance | Fuel · Rent · Wallet · EMI · Government | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | ₹5,000 | ₹2,000 |
Frequently asked questions
- Which card has the lower annual fee?
- SBI SimplySAVE has the lowest annual fee at ₹499.
- 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?
- SBI SimplySAVE lists a minimum monthly income of ₹18,000.
- 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
SBI Card ELITE
SBI Card
SBI SimplySAVE
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 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 | SBI CardClassic SBI SimplySAVE •••• •••• •••• 4242 Quick facts SBI SimplySAVE Top reward10 RP/₹100 Annual fee₹499 Min income₹18,000/mo Tap to flip back SBI SimplySAVE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹999 | ₹4,999 | ₹499 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | ₹10,00,000/yr | No waiver published |
| Min income | ₹30,000/mo | ₹60,000/mo | ₹18,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹8,940/yr | ₹1,701/yr | ₹5,481/yr |
| Groceries (offline) | — | — | 15 pts per ₹150 spend → ₹150/mo (₹1,800/yr) |
| Dining & delivery | 10% cashback → ₹400/mo (₹4,800/yr) | — | 15 pts per ₹150 spend → ₹100/mo (₹1,200/yr) |
| Fuel | — | — | 15 pts per ₹150 spend → ₹100/mo (₹1,200/yr) |
| Travel | — | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) | — |
| Top reward rate | 10% | 5X reward points | 10 RP/₹100 |
| Primary reward cap | ₹1,000 rewards/mo cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | 8 complimentary domestic lounge visits per year · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps |
| Key exclusions | EMI · Fuel · Rent · Wallet · Insurance | Fuel · Rent · Wallet · EMI · Government | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | ₹5,000 | ₹2,000 |
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https://cardhungry.com/in/en/compare/hsbc-live-plus-vs-sbi-elite-vs-sbi-simplysaveMore HSBC Live+ Credit Card comparisons
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