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CUB SalarySe Level Up vs HSBC Live Plus Credit Card Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 28 September 2026.

CUB SalarySe Level Up Credit Card versus HSBC Live Plus Credit Card compared
FeatureCUB SalarySe Level Up Credit CardCUB SalarySe Level Up Credit CardCity Union Bank1 recent change →
HSBC Live Plus Credit CardHSBC Live Plus Credit CardHSBC4 recent changes →
Rewards by spend
Rewards0.2% base, up to 1% on UPI payments1.5% base, up to 10% on dining
UPI payments (scan and pay)1%Earns nothing
Online shopping0.2%; 1% only at SalarySe UPI payments, and online spends made with the Level Up card details, the accelerated rate does not apply to spends routed through any other UPI app10%
Dining and food delivery0.2%10%
Groceries0.2%10%
Travel: flights, hotels, trains0.2%1.5%
FuelsameEarns nothingEarns nothing
Bills and recharges0.2%10%
Rent0.2%Earns nothing
Insurance premiums0.2%Earns nothing
School and college fees0.2%Earns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentsNot statedEarns nothing
Spend abroad or in a foreign currency0.2%Earns nothing
Everything else0.2%1.5%
Card identity
Card typeShoppingDining
NetworkRuPayVisa
Card tierEntryMid
Fees
Joining feeFree₹999 + GST
Annual feeFree₹999 + GST
Lifetime freeYesNo
Fee waived at-₹2,00,000
Eligibility
Min agesame18 years18 years
Max age-65 years
Employment typeSALARIEDBOTH
Min monthly salary-₹50,000
Min credit score-750
Rewards
Reward typeReward pointsCashback
Point value₹0₹1
Fuel surcharge
Fuel surcharge waiverNoYes
Fuel waiver cap₹300-
Lounge access
Domestic lounge visits-2
International lounge visits-1
Lounge condition-2 complimentary domestic lounge visits per year (one per 6 months) plus 1 international lounge visit per year from 1 September 2026
Forex and international
Forex markup2%1.99%
UPI rewards
Works on UPIYesNo
UPI note1% on SalarySe UPI and online card spends up to Rs 20,000 a month, 2% above it.-
Interest and charges
Interest rate (monthly)3.5%3.75%
Interest rate (annual)42%45%
Page content
Eligibility-Age: 21 to 65 years Employment: Salaried and Self Employed Salaried Income: Rs 50000/monthly Self Employed: ITR > Rs 12,00,000/annually Credit Score: 750+
Documents neededPAN card Aadhaar / valid address proof Salary proof, salary slips / salary-account statementID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or Salary slips Photograph: Recent passport-sized photo
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

CUB SalarySe Level Up Credit Card
Rewards a year
₹960
Fee a year
₹0
You keep
₹960
HSBC Live Plus Credit Card
Rewards a year
₹8,700
Fee a year
₹0
You keep
₹8,700

At this spend, HSBC Live Plus Credit Card comes out ₹7,740 a year ahead of CUB SalarySe Level Up Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

CUB SalarySe Level Up Credit Card
  • SalarySe users
  • Salaried people paying mostly by UPI
  • First-time card users
HSBC Live Plus Credit Card
  • Families with big food and grocery bills
  • Frequent Swiggy and Zomato users
  • People wanting simple cashback

Watch-Outs

CUB SalarySe Level Up Credit Card
  • Best rate only through SalarySe UPI or online
  • Low earn on other UPI apps
  • Lounge visit depends on monthly spend
HSBC Live Plus Credit Card
  • 10% categories share one Rs 1,200 monthly cap
  • No cashback on fuel, rent, insurance, education, wallets or EMIs
  • No cashback on international spends
  • Lounge visits cut to just 2 domestic a year

Card data sourced via CardAdvisor.in (CUB SalarySe Level Up Credit Card, HSBC Live Plus Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, CUB SalarySe Level Up Credit Card or HSBC Live Plus Credit Card?

CUB SalarySe Level Up Credit Card. CUB SalarySe Level Up Credit Card: no annual fee; HSBC Live Plus Credit Card: ₹999. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

HSBC Live Plus Credit Card has the lowest forex markup. HSBC Live Plus Credit Card: 1.99%; CUB SalarySe Level Up Credit Card: 2%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: HSBC Live Plus Credit Card 1.5%, CUB SalarySe Level Up Credit Card 0.2%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

Work Out the Numbers

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