HSBC Live Plus Credit Card vs Reliance SBI Card PRIME 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.
| Feature |  HSBC Live Plus Credit CardHSBC4 recent changes → |  Reliance SBI Card PRIMEState Bank of India4 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1.5% base, up to 10% on dining | 0.5% base, up to 1.25% on dining; 5% only at partner merchants | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | 10% | 0.5%; 5% only at AJIO & JioMart | |
| Dining and food delivery | 10% | 1.25% | |
| Groceries | 10% | 0.5%; 2.5% only at Reliance Retail stores | |
| Travel: flights, hotels, trains | 1.5% | 1.25% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 10% | 0.5% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | Earns nothing | 0.5% | |
| School and college fees | Earns nothing | 0.5% | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government paymentssame | Earns nothing | Earns nothing | |
| Spend abroad or in a foreign currency | Earns nothing | 0.5% | |
| Everything else | 1.5% | 0.5% | |
| Card identity | |||
| Card type | Dining | Shopping | |
| Network | Visa | Mastercard | |
| Card tier | Mid | Premium | |
| Fees | |||
| Joining fee | ₹999 + GST | ₹2,999 + GST | |
| Annual fee | ₹999 + GST | ₹2,999 + GST | |
| Fee waived at | ₹2,00,000 | ₹3,00,000 | |
| Eligibility | |||
| Min age | 18 years | - | |
| Max age | 65 years | - | |
| Employment typesame | BOTH | BOTH | |
| Min monthly salary | ₹50,000 | - | |
| Min credit score | 750 | - | |
| Rewards | |||
| Reward type | Cashback | Reward points | |
| Point value | ₹1 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Lounge access | |||
| Domestic lounge visits | 2 | 8 | |
| International lounge visits | 1 | 4 | |
| Lounge programme | - | PRIORITY_PASS | |
| Priority Pass | No | Yes | |
| Lounge condition | 2 complimentary domestic lounge visits per year (one per 6 months) plus 1 international lounge visit per year from 1 September 2026 | 8 domestic lounge visits a year (2 per quarter) plus complimentary Priority Pass membership with 4 international lounge visits a year (2 per quarter) | |
| Forex and international | |||
| Forex markup | 1.99% | 3.5% | |
| Interest and charges | |||
| Interest rate (monthly) | 3.75% | - | |
| Interest rate (annual) | 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 needed | ID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or Salary slips Photograph: Recent passport-sized photo | PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹8,700
- Fee a year
- ₹0
- You keep
- ₹8,700
- Rewards a year
- ₹1,656
- Fee a year
- - ₹3,539
- You keep
- - ₹1,883
At this spend, HSBC Live Plus Credit Card comes out ₹10,583 a year ahead of Reliance SBI Card PRIME. 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
- Families with big food and grocery bills
- Frequent Swiggy and Zomato users
- People wanting simple cashback
- Online shopping only at AJIO & JioMart: 5% back
- Groceries only at Reliance Retail stores: 2.5% back
- Spending ₹25,000 or more a month: the ₹3,539 fee is waived
- Flyers: 12 airport lounge visits a year
Watch-Outs
- 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
- Skip it if you spend less than ₹25,000 a month (₹3,00,000 a year, rent and wallet loads not counted): the ₹3,539 fee is then charged
- Skip it if most of your spending is fuel, rent, wallet top-ups or government payments: those earn nothing on this card
- Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- Skip it if you rarely spend on AJIO & JioMart: the 5% rate applies only there, everything else earns 0.5%
Card data sourced via CardAdvisor.in (HSBC Live Plus Credit Card, Reliance SBI Card PRIME), 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 Reliance SBI Card PRIME?
HSBC Live Plus Credit Card. HSBC Live Plus Credit Card: ₹999; Reliance SBI Card PRIME: ₹2,999. 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%; Reliance SBI Card PRIME: 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%, Reliance SBI Card PRIME 0.5%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
Which gives airport lounge access?
HSBC Live Plus Credit Card: 2 domestic lounge visits a year; Reliance SBI Card PRIME: 8 domestic lounge visits a year. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.
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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