SBI Elite Credit Card vs HSBC Live+ Credit Card

• On achieving annual spends of Rs. 5 lakhs and 8 lakhs, earn 15,000 bonus Reward Points
• Spend Based Reversal of Annual Fee on spends of Rs. 10 Lakhs
• Complimentary membership to the Priority Pass Program worth $99
• Six complimentary Airport Lounge visits per calendar year, outside India ( max. 2 visits per quarter)
• Enjoy obtaining Club Vistara Silver membership as complimentary

• Get 10% accelerated cashback, up to Rs. 1,000 a month, on dining and food delivery
• Get 1.5% unlimited cashback at other retailers
• Avail 1.5% unlimited cashback on entertainment spending
• Power up on spendings with 1.5% unlimited cashback in selected categories at home and when travelling abroad
• Avail up to 15% off with Live+ Dining Programme and 10% cashback on dining and food delivery spends in India and around Asia
• Avail 10% cashback on groceries and 1.5% unlimited cashback on other retail purchases online and offline
• 4 complimentary domestic airport lounge visits per year
• Enjoy exclusive dining programme and curated offers on the Visa Digital Concierge app

Pros

• Get 5X Reward Points on Dining, Departmental stores and Grocery Spends
• Earn nearly 50,000 Bonus Reward Points worth Rs. 12,500 per year
• On achieving annual spends of Rs. 3 lakhs and 4 lakhs, earn 10,000 bonus Reward Points

Cons

• High joining/renewal fees
• Although the Credit Card offers savings on rental cars on Hertz & Avis, which is good, but in India, there’s no much scope for it

Pros

• Get 10% accelerated cashback on dining and food delivery
• Avail up to 15% off with Live+ Dining Programme and 10% cashback on dining and food delivery spends in India and around Asia
• Avail 1.5% unlimited cashback on entertainment spending

Cons

• No fuel benefits
• No rewards benefits
• No international lounge access