Share

Tata Neu Infinity SBI Card 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.

Tata Neu Infinity SBI Card versus HSBC Live Plus Credit Card compared
FeatureTata Neu Infinity SBI CardTata Neu Infinity SBI CardState Bank of India3 recent changes →
HSBC Live Plus Credit CardHSBC Live Plus Credit CardHSBC4 recent changes →
Rewards by spend
Rewards1.5% on most spends; 5% only at partner merchants1.5% base, up to 10% on dining
UPI payments (scan and pay)1.5%Earns nothing
Online shopping1.5%; 5% only at Tata Neu & Tata brands10%
Dining and food delivery1.5%10%
Groceries1.5%10%
Travel: flights, hotels, trainssame1.5%1.5%
FuelsameEarns nothingEarns nothing
Bills and recharges1.5%10%
RentsameEarns nothingEarns nothing
Insurance premiums1.5%Earns nothing
School and college feessameEarns nothingEarns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency1.5%Earns nothing
Everything elsesame1.5%1.5%
Card identity
Card typeShoppingDining
NetworkRuPayVisa
Card tiersameMidMid
Fees
Joining fee₹1,499 + GST₹999 + GST
Annual fee₹1,499 + GST₹999 + GST
Fee waived at₹3,00,000₹2,00,000
Eligibility
Min age21 years18 years
Max age70 years65 years
Employment typesameBOTHBOTH
Min monthly salary-₹50,000
Min credit score-750
Rewards
Reward typesameCashbackCashback
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Lounge access
Domestic lounge visits82
International lounge visits41
Lounge programmePRIORITY_PASS-
Priority PassYesNo
Lounge conditionSpend Rs 75,000 in the previous quarter for domestic lounge access2 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 markupsame1.99%1.99%
UPI rewards
Works on UPIYesNo
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 neededPAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photographID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or Salary slips Photograph: Recent passport-sized photo
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

Tata Neu Infinity SBI Card
Rewards a year
₹3,600
Fee a year
- ₹1,769
You keep
₹1,831
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 ₹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

Tata Neu Infinity SBI Card
  • Heavy Tata Neu shoppers
  • Families who shop mostly with Tata brands
  • International travellers wanting low forex
HSBC Live Plus Credit Card
  • Families with big food and grocery bills
  • Frequent Swiggy and Zomato users
  • People wanting simple cashback

Watch-Outs

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
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 (Tata Neu Infinity SBI 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, Tata Neu Infinity SBI Card or HSBC Live Plus Credit 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?

Tata Neu Infinity SBI Card has the lowest forex markup. Tata Neu Infinity SBI Card: 1.99%; HSBC Live Plus Credit 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: Tata Neu Infinity SBI Card 1.5%, HSBC Live Plus Credit 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?

Tata Neu Infinity SBI Card: 8 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

Other Comparisons

We earn a commission if you are approved, and you pay nothing extra. How we make money.

Compare all the credit cards we list

Credit Cards

Guides in Plain Words

Short reads that explain how it works before you decide.

All Credit Cards guides
SkyloFin - Expense Tracker

Your Money. One Clear View.

Automatically organise your spending, track expenses and understand where your money goes.

  • Reads bank SMS No account linking, no passwords.
  • Sorts every rupee Into categories you can edit.
  • Bills and cards Statements found, due dates reminded.
  • Your Google Drive Backed up to you, never to us.
Get the AppSee how it works