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	HSBC Live+	Cashback SBI Card
Best Suited for	☕ Lifestyle 🍽️ Cashback	🛍️ Online Shopping 💰 Cashback
Fee Details	Joining Fee: ₹999 Annual/Renewal Fee: ₹999 NA	Joining Fee: ₹999 Annual/Renewal Fee: ₹999 NA
Welcome Benefit	Premium coffee tasting sessions, Rs. 200 off next purchase and more at Starbucks Rs. 1,000 cashback on downloading and logging in to the HSBC India Mobile Banking app and spending Rs. 25,000 within the first 30 days of card issuance Voucher worth Rs. 750 for Amazon Pay, Zomato and Swiggy on activating the card and making a single transaction of Rs. 300 or more Amazon eGift voucher worth Rs. 250 on applying online, verifying by video and receiving of the card Rs. 1,000 cashback on spending Rs. 1,000 or more within 30 days of getting the credit card after submitting income documents with Account Aggregator	NA
Reward/Cashback Rate	10% cashback, up to Rs. 1,200 per month, on food, dining, grocery, shopping and utility bill payments Unlimited 1.5% cashback on other spends Rs. 250 cashback on contactless fuel spends above Rs. 10,000 per quarter	5% cashback on all online spends without any merchant restriction, up to Rs. 2,000 per month 1% cashback across all offline spends, up to Rs. 2,000 per month Cashback will be auto-credited into the statements within 2 days of statement generation
Lounge Access	2 complimentary visits to domestic airport lounges in a year 1 complimentary international airport lounge visit every year	NA
Pros	10% cashback on food, dining, grocery, shopping and utility bill payments Low forex markup fee of 1.99% Complimentary domestic and international airport lounge visits Multiple welcome benefits worth more than Rs. 3,000 Additional travel and lifestyle privileges through Visa Infinite	Up to 5% cashback on card spends Cashback benefits come without any merchant restrictions No hassle of point conversion as cashback is auto-credited into the statement Easily achievable renewal fee waiver
Cons	10% cashback is capped at Rs. 1,200 per month Low frequency of complimentary international lounge visits Limited value to consumers who do not spend significantly on the accelerated cashback categories	Monthly capping on cashback earnings No significant additional benefits like complimentary airport lounge access or welcome bonus
Who should get this card?	Consumers seeking high cashback on everyday spends along with travel, dining and lifestyle benefits	People who shop across multiple online brands and prefer flat cashback without any merchant or category restrictions