Live+ Credit Card
Rs 999Annual fee
Rs 2,00,000Fee waiver spend
2Domestic lounge
Domestic lounge conditions
- 2 complimentary domestic airport lounge visits per year from 26 July 2026, based on reported HSBC cardholder communication.
- 1 complimentary international airport lounge visit per year from 1 September 2026, based on reported HSBC cardholder communication.
1.99%Forex markup
Best for
Dining, Food Delivery, Grocery, Shopping, Utilities, Cashback, Lounge
Top rewards
Food, Dining, Grocery, Shopping, And Utility Spends: 10% Cashback; Eligible Contactless Fuel Spends: 2.5% Cashback; Other Spends: 1.5% Cashback
BPCL OCTANE Credit Card
Rs 1,499Annual fee
Rs 2,00,000Fee waiver spend
4Domestic lounge
Domestic lounge conditions
- 4 complimentary domestic airport lounge visits per calendar year, capped at 1 visit per quarter.
3.5%Forex markup
Best for
Cashback, Fuel, BPCL, Bharatgas, Grocery, Dining
Top rewards
Fuel And Lubricant Purchases At BPCL Petrol Pumps: 25 Reward Points / ₹100; Bharatgas Online Payments: 25 Reward Points / ₹100; Grocery, Departmental Stores, Movies, And Dining: 10 Reward Points / ₹100
| Feature | Live+ Credit Card | BPCL OCTANE Credit Card |
|---|---|---|
| Issuer | HSBC Bank | SBI Card |
| Network | Visa | Visa, RuPay |
| Joining fee | Rs 999 | Rs 1,499 |
| Annual fee | Rs 999 | Rs 1,499 |
| Fee waiver spend | Rs 2,00,000 | Rs 2,00,000 |
| Reward type | Cashback | Cashback And Reward Points |
| Best for | Dining, Food Delivery, Grocery, Shopping, Utilities, Cashback, Lounge | Cashback, Fuel, BPCL, Bharatgas, Grocery, Dining |
| Top reward categories | Food, Dining, Grocery, Shopping, And Utility Spends: 10% Cashback; Eligible Contactless Fuel Spends: 2.5% Cashback; Other Spends: 1.5% Cashback | Fuel And Lubricant Purchases At BPCL Petrol Pumps: 25 Reward Points / ₹100; Bharatgas Online Payments: 25 Reward Points / ₹100; Grocery, Departmental Stores, Movies, And Dining: 10 Reward Points / ₹100 |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 2 | 4 |
| International lounge | 1 | 0 |
| Forex markup | 1.99% | 3.5% |
| Milestone benefits | Not Listed | Not Listed |
| Redemption | Statement credit: upto ₹ 1 per point | Statement credit: upto ₹ 0.25 per point |
| Key exclusions | International spends, Hospital spends, Local transportation spends, Rental payments and commissions, Insurance premium payments, EMI transactions | balance transfers, cash advances, fees and charges, disputed transactions |