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HSBC Live Plus Credit Card vs Tata Neu Infinity SBI 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 Tata Neu Infinity SBI Card compared
FeatureHSBC Live Plus Credit CardHSBC Live Plus Credit CardHSBC4 recent changes →
Tata Neu Infinity SBI CardTata Neu Infinity SBI CardState Bank of India3 recent changes →
Rewards by spend
Rewards1.5% base, up to 10% on dining1.5% on most spends; 5% only at partner merchants
UPI payments (scan and pay)Earns nothing1.5%
Online shopping10%1.5%; 5% only at Tata Neu & Tata brands
Dining and food delivery10%1.5%
Groceries10%1.5%
Travel: flights, hotels, trainssame1.5%1.5%
FuelsameEarns nothingEarns nothing
Bills and recharges10%1.5%
RentsameEarns nothingEarns nothing
Insurance premiumsEarns nothing1.5%
School and college feessameEarns nothingEarns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currencyEarns nothing1.5%
Everything elsesame1.5%1.5%
Card identity
Card typeDiningShopping
NetworkVisaRuPay
Card tiersameMidMid
Fees
Joining fee₹999 + GST₹1,499 + GST
Annual fee₹999 + GST₹1,499 + GST
Fee waived at₹2,00,000₹3,00,000
Eligibility
Min age18 years21 years
Max age65 years70 years
Employment typesameBOTHBOTH
Min monthly salary₹50,000-
Min credit score750-
Rewards
Reward typesameCashbackCashback
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Lounge access
Domestic lounge visits28
International lounge visits14
Lounge programme-PRIORITY_PASS
Priority PassNoYes
Lounge condition2 complimentary domestic lounge visits per year (one per 6 months) plus 1 international lounge visit per year from 1 September 2026Spend Rs 75,000 in the previous quarter for domestic lounge access
Forex and international
Forex markupsame1.99%1.99%
UPI rewards
Works on UPINoYes
Interest and charges
Interest rate (monthly)3.75%-
Interest rate (annual)45%-
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 / address proof Income proof (salary slips or ITR) Recent passport-size photograph
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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
Tata Neu Infinity SBI Card
Rewards a year
₹3,600
Fee a year
- ₹1,769
You keep
₹1,831

At this spend, HSBC Live Plus Credit Card comes out ₹6,869 a year ahead of Tata Neu Infinity SBI 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
Tata Neu Infinity SBI Card
  • Heavy Tata Neu shoppers
  • Families who shop mostly with Tata brands
  • International travellers wanting low forex

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
Tata Neu Infinity SBI Card
  • NeuCoins expire in 12 months and work only on Tata
  • Domestic lounges need Rs 75,000 quarterly spend
  • Domestic lounge list has no metro airports
  • No rewards on fuel, rent, wallets or EMIs

Card data sourced via CardAdvisor.in (HSBC Live Plus Credit Card, Tata Neu Infinity SBI Card), 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 Tata Neu Infinity SBI Card?

HSBC Live Plus Credit Card. HSBC Live Plus Credit Card: ₹999; Tata Neu Infinity SBI Card: ₹1,499. 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%; Tata Neu Infinity SBI Card: 1.99%. 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%, Tata Neu Infinity SBI Card 1.5%. 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; Tata Neu Infinity SBI Card: 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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