HSBC Live+ vs SBI Cashback
Both have the same annual fee, ₹999. HSBC Live+ waives its fee on ₹2,00,000 of spend a year; SBI Cashback waives its fee on ₹2,00,000 of spend a year. For spends abroad, HSBC Live+ charges the lower forex markup (1.99% plus GST). Which one earns more depends on where you spend. The Saifu app works it out on your own spends, on your phone.
| Feature | HSBC Live+HSBC India2 wins · ahead | SBI CashbackSBI Card0 wins |
|---|---|---|
| Annual fee | ₹999 | ₹999 |
| Joining fee | ₹999 | ₹999 |
| Fee waiver | Waived on ₹2,00,000 spend a year | Waived on ₹2,00,000 spend a year |
| Rewards | 10% cashback (up to INR 1,200 a month) on dining, food delivery, grocery, shopping and utilities; 1.5% on other spends | 5% cashback on online spends, 1% on offline spends |
| Airport lounges | More2 a year domestic, 1 a year international | None listed |
| Forex markup | Lower1.99% plus GST | 3.5% plus GST |
| Points | Cashback or not listed | Cashback or not listed |
| Published minimum income and age | Salaried ₹6,00,000 a year, self-employed ₹12,00,000 a year, age 18 to 65 | Not published |
| Network | Visa | Visa |
| Apply | Bank page | Bank page |
Badges mark the lower fee, waiver spend or markup, and more lounge visits. Rewards are not scored here because they depend on where you spend. Affiliate link, costs you nothing extra, we may earn a commission, never changes how cards are ranked. Figures come from each bank's page and can change; check before you apply.
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