Which card has a lower forex fee: HSBC Live+ Credit Card or Tata Neu Infinity SBI Card?

Both cards have the same forex markup (1.99%).

Which card has a lower annual fee: HSBC Live+ Credit Card or Tata Neu Infinity SBI Card?

HSBC Live+ Credit Card has a lower annual fee (₹999 annual fee vs ₹1,499 annual fee).

Which card offers better lounge access?

HSBC Live+ Credit Card: 2 domestic + 1 international lounge visits/year. Tata Neu Infinity SBI Card: 2 domestic + 1 international lounge visits/quarter.

Which card has a higher base reward rate?

Both cards have similar conservative base reward value (~1.5%).

Pairwise comparison Compare 3+ cards →

HSBC India Live+ vs SBI Card Tata Neu Infinity Credit Cards – Fees, Lounge, Forex

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.

Live+

Tata Neu Infinity

The short answer

Verdict

Pick Tata Neu Infinity for lounge access and upi.

Head-to-head

Three core metrics

Annual fee

Live+ ₹999 Waivable at ₹2,00,000 spend

Tata Neu Infinity ₹1,499 Waivable at ₹3,00,000 spend

Live+ saves ₹500/yr
Forex markup

Live+ 1.99%

Tata Neu Infinity 1.99%
Domestic lounge

Live+ 2/year

Tata Neu Infinity 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)

Tata Neu Infinity: +6 lounge visits/yr

Reward earning explained

Per card

Live+

1.5% · 10% on eligible dining, food delivery, grocery, and utilities

Strong data

Tata Neu Infinity

1.5 NeuCoins / ₹100 · Up to 10 NeuCoins / ₹100 on Tata Neu Select Accelerated

Strong data

Pick based on what matters

5 dimensions

Start with the constraint you care about most: annual fee (HSBC India Live+: ₹999 vs SBI Card Tata Neu Infinity: ₹1,499), forex markup (1.99% vs 1.99%), or lounge access (2/year vs 8/year (2 per quarter)).

Travel Tie

Both cards are similar for travel

Forex markup is 1.99%.
Forex markup Tie

Both cards are similar for forex

Forex markup is 1.99%.
Lounge access SBI Card Tata Neu Infinity wins

SBI Card Tata Neu Infinity is better for lounge access

SBI Card Tata Neu Infinity is stronger here. Domestic lounge access is 2 per quarter.
Rewards Tie

Both cards are similar for rewards

HSBC India Live+ conservative base value ~1.5% vs SBI Card Tata Neu Infinity's ~1.5%. SBI Card Tata Neu Infinity conservative base value ~1.5% vs HSBC India Live+'s ~1.5%.
upi SBI Card Tata Neu Infinity wins

SBI Card Tata Neu Infinity is better for UPI usage

SBI Card Tata Neu Infinity is stronger here. Supports UPI via RuPay network.

All fields

Standard view

Example 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.

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
Rewards
Base earn Some reward lanes are unsupported — base rate only for comparison. 1.5% vs 1.5 NeuCoins / ₹100	1.5%	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

SBI Card Tata Neu Infinity

Verify with issuer