HSBC Live+ Credit Card vs Cashback SBI Credit Card
Which card gives you higher value? Compare annual fees, reward rates, lounge access, and milestone perks side-by-side.
HSBC Bank
★ 4.0 / 5.0
HSBC Live+ Credit Card
Everyday Spending, Food Delivery Apps, Multi-category Shopping, and Lifestyle Cashback
SBI Card
★ 4.7 / 5.0
Cashback SBI Credit Card
Online Shopping, E-commerce, Food Delivery & General Outlays
Side-by-Side Feature Breakdown
Open Interactive Matrix →User Rating
★ 4.0 / 5.0
★ 4.7 / 5.0
Annual Fee
Lifetime Free
₹999 + Taxes
Fee Waiver Condition
Governed by standard spend-based milestone thresholds outlined by the bank
Annual fee waived on ₹2 Lakh annual retail spends
Reward Rate
10% cashback on dining, food delivery, grocery, shopping & utility spends (capped ₹1,200/month); 1.5% uncapped on other eligible retail spends
5% cashback on online spends, capped ₹2,000/statement cycle; 1% cashback on offline spends, capped ₹2,000/statement cycle (revised 1 Apr 2026, previously combined ₹5,000/cycle); excludes gaming, toll, government and other standard-excluded transactions
Finance APR
Subject to HSBC standard tiered credit interest rate guidelines
Up to 3.75% per month (45% per annum)
Welcome Offer
N/A
Auto-credited statement cashback on online and offline transactions
Top Perks
- • Accelerated percentage cashback returns on online retail shopping, food delivery applications, and household spends
- • Earn rewards on eligible day-to-day general merchant expenditures outside of primary exclusions
- • Direct cashback redemption tracking managed seamlessly inside the bank's mobile banking system
- • 1% fuel surcharge waiver shield protection covering valid domestic petroleum pump transactions
- • 5% cashback on eligible online purchases (capped at ₹2,000 per statement cycle)
- • 1% cashback on all eligible offline retail purchases (capped at ₹2,000 per statement cycle)
- • Automatic cashback statement credit within 2 days of statement generation
- • 1% fuel surcharge waiver valid across all petrol pumps in India for transactions between ₹500 and ₹3,000 (capped at ₹100 per statement cycle)
Best Suited For
Everyday Spending, Food Delivery Apps, Multi-category Shopping, and Lifestyle Cashback
Online Shopping, E-commerce, Food Delivery & General Outlays