Paytm SBI Card SELECT 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: 11 October 2026.
| Feature |  Paytm SBI Card SELECTState Bank of India5 recent changes → |  HSBC Live Plus Credit CardHSBC4 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1% on most spends; 5% only at partner merchants | 1.5% base, up to 10% on dining | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | 1%; 5% only at Paytm Mall & Movies | 10% | |
| Dining and food delivery | 1% | 10% | |
| Groceries | 1% | 10% | |
| Travel: flights, hotels, trains | 1%; 5% only at Paytm Travel | 1.5% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 1% | 10% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | 1% | Earns nothing | |
| School and college feessame | Earns nothing | Earns nothing | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government paymentssame | Earns nothing | Earns nothing | |
| Spend abroad or in a foreign currency | 1% | Earns nothing | |
| Everything else | 1% | 1.5% | |
| Card identity | |||
| Card type | Shopping | Dining | |
| Networksame | Visa | Visa | |
| Card tiersame | Mid | Mid | |
| Fees | |||
| Joining fee | ₹1,499 + GST | ₹999 + GST | |
| Annual fee | ₹1,499 + GST | ₹999 + GST | |
| Fee waived atsame | ₹2,00,000 | ₹2,00,000 | |
| Eligibility | |||
| Min age | - | 18 years | |
| Max age | - | 65 years | |
| Employment typesame | BOTH | BOTH | |
| Min monthly salary | - | ₹50,000 | |
| Min credit score | - | 750 | |
| Rewards | |||
| Reward typesame | Cashback | Cashback | |
| Point valuesame | ₹1 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Lounge access | |||
| Domestic lounge visits | 4 | 2 | |
| International lounge visits | 0 | 1 | |
| Lounge programme | PRIORITY_PASS | - | |
| Priority Pass | Yes | No | |
| Lounge condition | 4 complimentary domestic airport lounge visits a year (max 1 per quarter) on the Visa programme, plus a Priority Pass whose membership fee is waived for two years, but SBI grants NO complimentary Priority Pass visits, every one costs USD 27 plus tax | 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 markup | 3.5% | 1.99% | |
| 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 | PAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph | 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 | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹2,400
- Fee a year
- ₹0
- You keep
- ₹2,400
- Rewards a year
- ₹8,700
- Fee a year
- ₹0
- You keep
- ₹8,700
At this spend, HSBC Live Plus Credit Card comes out ₹6,300 a year ahead of Paytm SBI Card SELECT. 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
- Online shopping only at Paytm Mall & Movies: 5% back
- Travel only at Paytm Travel: 5% back
- Spending ₹16,667 or more a month: the ₹1,769 fee is waived
- Flyers: 4 airport lounge visits a year
- Families with big food and grocery bills
- Frequent Swiggy and Zomato users
- People wanting simple cashback
Watch-Outs
- Skip it if you spend less than ₹16,667 a month (₹2,00,000 a year, rent and wallet loads not counted): the ₹1,769 fee is then charged
- Skip it if most of your spending is fuel, rent, education or wallet top-ups: 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 Paytm Mall & Movies or Paytm Travel: the 5% rate applies only there, everything else earns 1%
- 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 (Paytm SBI Card SELECT, 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, Paytm SBI Card SELECT or HSBC Live Plus Credit Card?
HSBC Live Plus Credit Card. HSBC Live Plus Credit Card: ₹999; Paytm SBI Card SELECT: ₹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%; Paytm SBI Card SELECT: 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%, Paytm SBI Card SELECT 1%. 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?
Paytm SBI Card SELECT: 4 domestic lounge visits a year; HSBC Live Plus Credit Card: 2 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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Guides in Plain Words
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