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HSBC Live Plus vs RBL Bank ShopRite 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: 11 October 2026.

HSBC Live Plus Credit Card versus RBL Bank ShopRite Credit Card compared
FeatureHSBC Live Plus Credit CardHSBC Live Plus Credit CardHSBC4 recent changes →
RBL Bank ShopRite Credit CardRBL Bank ShopRite Credit CardRBL Bank5 recent changes →
Rewards by spend
Rewards1.5% base, up to 10% on dining0.25% base, up to 5% on groceries
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping10%0.25%
Dining and food delivery10%0.25%
Groceries10%5%
Travel: flights, hotels, trains1.5%0.25%
FuelsameEarns nothingEarns nothing
Bills and recharges10%Earns nothing
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college feessameEarns nothingEarns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currencyEarns nothing0.25%
Everything else1.5%0.25%
Card identity
Card typeDiningGrocery
NetworksameVisaVisa
Card tierMidEntry
Fees
Joining fee₹999 + GST₹500 + GST
Annual fee₹999 + GST₹500 + GST
Fee waived at₹2,00,000₹1,50,000
Eligibility
Min age18 years-
Max age65 years-
Employment typesameBOTHBOTH
Min monthly salary₹50,000-
Min credit score750-
Rewards
Reward typeCashbackReward points
Point value₹1₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap-₹100
Lounge access
Domestic lounge visits2-
International lounge visits1-
Lounge condition2 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 markup1.99%3.5%
Interest and charges
Interest rate (monthly)3.75%3.99%
Interest rate (annual)45%47.88%
Redemption
Redemption fee-₹99
Page content
EligibilityAge: 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 neededID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or Salary slips Photograph: Recent passport-sized photoPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

HSBC Live Plus Credit Card
Rewards a year
₹8,700
Fee a year
₹0
You keep
₹8,700
RBL Bank ShopRite Credit Card
Rewards a year
₹3,456
Fee a year
₹0
You keep
₹3,456

At this spend, HSBC Live Plus Credit Card comes out ₹5,244 a year ahead of RBL Bank ShopRite 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

HSBC Live Plus Credit Card
  • Families with big food and grocery bills
  • Frequent Swiggy and Zomato users
  • People wanting simple cashback
RBL Bank ShopRite Credit Card
  • Families with a monthly grocery bill
  • First-time card users
  • Low-income applicants

Watch-Outs

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
RBL Bank ShopRite Credit Card
  • Grocery rewards capped at Rs 250 a month
  • Very low 0.25% on everything else
  • No points on fuel
  • 3.5% forex markup

Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, HSBC Live Plus Credit Card or RBL Bank ShopRite Credit Card?

RBL Bank ShopRite Credit Card. RBL Bank ShopRite Credit Card: ₹500; 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%; RBL Bank ShopRite Credit Card: 3.5%. 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%, RBL Bank ShopRite Credit Card 0.25%. 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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