1.5% on domestic spend · 10% on eligible dining, food delivery, grocery, and utilities
Strong data Pairwise comparison
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HSBC Live+ vs SBI Tata Neu Infinity
Side-by-side comparison of the HSBC India Live+ and the SBI Card Tata Neu Infinity. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
Pick Live+ for a lower fee.
Pick Tata Neu Infinity for lounge access and UPI payments.
Live+ costs ₹500 less a year.
Head-to-head
- Annual fee Annual fee outcome: Live+ wins. Live+ saves ₹500/yrLive+ ₹999 Waivable at ₹2,00,000 spendTata Neu Infinity ₹1,499 Waivable at ₹3,00,000 spend
- Forex markup Forex markup outcome: tie. Live+ 1.99%Tata Neu Infinity 1.99%
- Domestic lounge Domestic lounge outcome: Tata Neu Infinity wins. Live+ 2/yearTata Neu Infinity 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
- Rewards Rewards outcome: tie. conservative base valueLive+ ~1.5%Tata Neu Infinity ~1.5%
- UPI payments UPI payments outcome: Tata Neu Infinity wins. Live+ No UPI supportTata Neu Infinity Supports UPI
Reward earning explained
1.5 NeuCoins / ₹100 · Up to 10 NeuCoins / ₹100 on Tata Neu Select Accelerated
Strong dataExample usage at this monthly spend
At ₹50k/month spend:
- HSBC Live+: ~₹750/month at base rate
- Tata Neu Infinity SBI Card: ~₹750/month at base rate
Illustrative only, using current base rates before caps.
All fields
| Field | Live+ HSBC India | Tata Neu Infinity SBI Card |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 2/year vs 8/year (2 per quarter) | 2/year | 8/year (2 per quarter) |
| International lounge visits 1 per year vs 1 per quarter | 1 per year | 1 per quarter |
| Forex / International Use | ||
| Forex markup | 1.99% | 1.99% |
| Fees | ||
| Recurring annual fee ₹999 vs ₹1,499 | ₹999 | ₹1,499 |
| Annual-fee waiver ₹2,00,000 vs ₹3,00,000 | ₹2,00,000 | ₹3,00,000 |
| Interest-free period Only available for Tata Neu Infinity SBI Card | Not specified | Up to 50 days |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Late-payment charge Only available for Tata Neu Infinity SBI Card | Not specified | ₹100–₹1,300 depending on outstanding balance |
| Rewards | ||
| Base earn Some reward lanes are unsupported — base rate only for comparison. 1.5% on domestic spend vs 1.5 NeuCoins / ₹100 | 1.5% on domestic spend | 1.5 NeuCoins / ₹100 |
| Conservative base value | ~1.5% | ~1.5% |
| Earn ceiling ₹1,200 per month — shared across Dining, Food delivery, Grocery, Shopping & Utilities vs 2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend | ₹1,200 per month — shared across Dining, Food delivery, Grocery, Shopping & Utilities | 2,000 NeuCoins per month at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Tata Neu Infinity SBI Card | Not specified | ₹1 |
| Point validity Only available for Tata Neu Infinity SBI Card | Not specified | 2 years |
Notes
- Tata Neu Infinity SBI Card: Condition: ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
HSBC India Live+
Verify with issuer , opens external siteSBI Card Tata Neu Infinity
Verify with issuer , opens external site