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HSBC Live+ Credit Card vs SBI Card PRIME

Honest side-by-side comparison of HSBC Live+ Credit Card, SBI Card PRIME — 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 Card PRIME

SBI Card

Your adjusted comparison

Feature
HSBC Live+ Credit Card

HSBC Live+ Credit Card

HSBC

SBI Card PRIME credit card

SBI Card PRIME

SBI Card

Fees & eligibility
Annual fee₹999₹2,999
Fee waiver thresholdWaived at ₹2,00,000/yr spend₹5,00,000/yr
Min income₹30,000/mo₹45,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹7,470/yr-₹2,339/yr
Dining & delivery₹3,500 × 10% = ₹350/mo (₹4,200/yr) · issuer max ₹1,000/mo—
Travel—₹3,000 → 120 pts/mo × ₹0.25/pt = ₹30/mo (₹360/yr)
Top reward rate10%5X reward points
Primary reward cap₹1,000 rewards/mo capNo monthly cap published
Perks & restrictions
Lounge access4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access8 domestic (2/quarter) + 4 international (1/quarter) airport lounge visits/year · No minimum spend required for lounge access
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Wallet · InsuranceFuel · Rent · Wallet · EMI
Bonuses
Signup bonus—₹3,000

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

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

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, HSBC Live+ Credit Card leads SBI Card PRIME by about ₹9,809/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 Card PRIME comparison table
FeatureHSBC Live+ Credit Card

HSBC

SBI Card PRIME

SBI Card

Fees & eligibility
Annual fee₹999₹2,999
Fee waiver thresholdWaived at ₹2,00,000/yr spend₹5,00,000/yr
Min income₹30,000/mo₹45,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹7,470/yr-₹2,339/yr
Dining & delivery₹3,500 × 10% = ₹350/mo (₹4,200/yr) · issuer max ₹1,000/mo—
Travel—₹3,000 → 120 pts/mo × ₹0.25/pt = ₹30/mo (₹360/yr)
Top reward rate10%5X reward points
Primary reward cap₹1,000 rewards/mo capNo monthly cap published
Perks & restrictions
Lounge access4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access8 domestic (2/quarter) + 4 international (1/quarter) airport lounge visits/year · No minimum spend required for lounge access
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Wallet · InsuranceFuel · Rent · Wallet · EMI
Bonuses
Signup bonus—₹3,000

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 ₹7,470/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.

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