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SBI Simply Click 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.

SBI Simply Click Credit Card versus HSBC Live Plus Credit Card compared
FeatureSBI Simply Click Credit CardSBI Simply Click Credit CardState Bank of India5 recent changes →
HSBC Live Plus Credit CardHSBC Live Plus Credit CardHSBC4 recent changes →
Rewards by spend
Rewards0.25% on most spends; 2.5% only at partner merchants1.5% base, up to 10% on dining
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping0.25%; 2.5% only at Apollo 24x7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata CLiQ10%
Dining and food delivery0.25%10%
Groceries0.25%10%
Travel: flights, hotels, trains0.25%1.5%
FuelsameEarns nothingEarns nothing
Bills and recharges0.25%10%
RentsameEarns nothingEarns nothing
Insurance premiums0.25%Earns nothing
School and college fees0.25%Earns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency0.25%Earns nothing
Everything else0.25%1.5%
Card identity
Card typeShoppingDining
NetworksameVisaVisa
Card tierEntryMid
Fees
Joining fee₹499 + GST₹999 + GST
Annual fee₹499 + GST₹999 + GST
Fee waived at₹1,00,000₹2,00,000
Eligibility
Min age-18 years
Max age-65 years
Employment typesameBOTHBOTH
Min monthly salary-₹50,000
Min credit score720750
Rewards
Reward typeReward pointsCashback
Point value₹0₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹100-
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 markup3.5%1.99%
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Page content
EligibilityAge: 21 to 65 years Employment: Both salaried and self-employed individuals Minimum Income: Rs 25,000 Self Employed: ITR > Rs 4,80,000/annum Credit Score: 720+ with no delayed payments in the past 12 months New-to-Credit: Allowed only for salaried applicantsAge: 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 slipsID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or Salary slips Photograph: Recent passport-sized photo
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Worth in Rupees at ₹20,000 a Month

SBI Simply Click Credit Card
Rewards a year
₹600
Fee a year
₹0
You keep
₹600
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 ₹8,100 a year ahead of SBI Simply Click 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

SBI Simply Click Credit Card
  • Young online shoppers
  • First-time card users
  • Swiggy and Myntra regulars
HSBC Live Plus Credit Card
  • Families with big food and grocery bills
  • Frequent Swiggy and Zomato users
  • People wanting simple cashback

Watch-Outs

SBI Simply Click Credit Card
  • Only about 0.2% on offline spends
  • No points on fuel, rent, wallets or EMIs
  • No lounge access
  • 3.5% forex fee
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 (SBI Simply Click 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, SBI Simply Click Credit Card or HSBC Live Plus Credit Card?

SBI Simply Click Credit Card. SBI Simply Click Credit Card: ₹499; 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%; SBI Simply Click 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%, SBI Simply Click 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.

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