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
PRIME Credit Card
Rs 2,999Annual fee
Rs 3,00,000Fee waiver spend
8Domestic lounge
3.5%Forex markup
Best for
Utility Bills, Grocery, Dining, Movies, Lounge
Top rewards
Utility Standing Instructions: 20 Reward Points / ₹100; Grocery And Departmental Stores: 10 Reward Points / ₹100; Dining: 10 Reward Points / ₹100
| Feature | Live+ Credit Card | PRIME Credit Card |
|---|---|---|
| Issuer | HSBC Bank | SBI Card |
| Network | Visa | Visa, Mastercard, American Express |
| Joining fee | Rs 999 | Rs 2,999 |
| Annual fee | Rs 999 | Rs 2,999 |
| Fee waiver spend | Rs 2,00,000 | Rs 3,00,000 |
| Reward type | Cashback | Reward Points |
| Best for | Dining, Food Delivery, Grocery, Shopping, Utilities, Cashback, Lounge | Utility Bills, Grocery, Dining, Movies, Lounge |
| Top reward categories | Food, Dining, Grocery, Shopping, And Utility Spends: 10% Cashback; Eligible Contactless Fuel Spends: 2.5% Cashback; Other Spends: 1.5% Cashback | Utility Standing Instructions: 20 Reward Points / ₹100; Grocery And Departmental Stores: 10 Reward Points / ₹100; Dining: 10 Reward Points / ₹100 |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 2 | 8 |
| International lounge | 1 | 4 |
| Forex markup | 1.99% | 3.5% |
| Milestone benefits | Not Listed | Pizza Hut e-Gift Voucher worth ₹1,000 on quarterly spends of ₹50,000, Renewal fee waived on annual spends of ₹3 lakh, E-Gift Voucher worth ₹7,000 from Yatra.com or Pantaloons on annual spends of ₹5 lakh |
| 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 | fuel, cash withdrawal, balance transfer, wallet loading, government transactions, online gaming transactions |