What are the annual fees for HSBC Live+ Credit Card and BPCL SBI Octane Credit Card?

HSBC Live+ Credit Card has ₹999 + GST. BPCL SBI Octane Credit Card has ₹1,499 + GST. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

HSBC Live+ Credit Card earns about 1.5% on general spends; BPCL SBI Octane Credit Card earns about 0.25%. Category and partner rates may differ — see the table above.

What is the forex markup on each card?

HSBC Live+ Credit Card: 3.5%. BPCL SBI Octane Credit Card: 3.5% (plus 18% GST on the markup).

Do both cards include airport lounge access?

HSBC Live+ Credit Card: yes — see the lounge row above for limits. BPCL SBI Octane Credit Card: yes — see the lounge row above for limits.

Card Comparison

HSBC Live+ vs BPCL SBI Octane

HSBC Live+ vs BPCL SBI Octanecompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

HSBC Live+

HSBC Bank

Fee₹999+GST

Eff. rate1.5%

Cap₹1,000

Fee

₹999+GST

Eff. rate

1.5%

Cap

₹1,000

BPCL SBI Octane

SBI Card

Fee₹1,499+GST

Eff. rate0.25%

CapCategory

Fee

₹1,499+GST

Eff. rate

0.25%

Cap

How they compare

HSBC Live+ and BPCL SBI Octane suit different spending patterns, so the right pick depends on where and how much you spend. The key difference: 1.5% effective rate vs 0.25%. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

HSBC Live+

Annual fee: ₹999 + GST
Everyday rate: 1.5%
Monthly cap: ₹1,000/mo

Notable strengths

Direct cashback — nothing to redeem

BPCL SBI Octane

Annual fee: ₹1,499 + GST
Everyday rate: 0.3%
Monthly cap: No cap

Notable strengths

Bonus rewards on BPCL (up to 6.3%)
No monthly reward cap

Each card's own strengths — not a ranking. Weigh them against where you actually spend.

51 specs · 13 sections

HSBC Live+

BPCL SBI Octane

Feature

HSBC Live+

BPCL SBI Octane

Annual Fee

₹999

₹1,499

Joining Fee

₹999

₹1,499

Fee Waiver Spend

₹2,00,000

Forex Markup

3.5%

Reward Type

Cashback

Reward Points

Base Rate

1.5%

0.25%

Online Rate

—

0.25%

Offline Rate

1.5%

0.25%

Effective Base Rate

1.5%

0.25%

Point Value

₹1

₹0.25

Redemption Quality

HIGH

MEDIUM

Best Redemption

₹1

₹0.25

Worst Redemption

₹1

₹0.15

Bharat Gas

—

6.25%

Bpcl

—

6.25%

Eazydiner

15%

—

Grocery / Supermarkets

10%

2.5%

Fuel / Petrol / Diesel / CNG

0% (Excluded)

Restaurants / Dine-in

10%

2.5%

Flights, Hotels, OTAs, Tour Operators

1.5%

0.25%

Other Retail / Catch-all

1.5%

0.25%

Monthly Cap

₹1,000

Category caps apply

Est. Annual Cap

₹12,000

Category caps apply

Total Excluded

10 categories

3 categories

Highway Tolls / FASTag

Excluded

Earns rewards

Gold / Jewellery

Excluded

Earns rewards

Electricity, Water, Gas, Internet, DTH, Mobile Recharge

Excluded

Earns rewards

Insurance Premiums

Excluded

Earns rewards

Domestic Visits/Year

International Visits/Year

None

Priority Pass

Est. Annual Value

₹1,760

Forex Markup

3.5%

Description

₹1,000 Cashback on Spending ₹20,000 in the First 30 Days

6,000 Bonus Reward Points worth ₹1,500 on payment of annual membership fee

Estimated Value

₹1,000

₹1,500

Fuel Surcharge Waiver

Yes

Best Suited For

Shopping, Food

Fuel, Dining, Grocery, Movies

Min Income

₹50,000/month

₹25,000/month

Income Proof

Not required

Required

Secured FD

Accepting Applications

Yes

Network

Visa

Visa, RuPay

Card Tier

Gold

Still weighing your options?

Other popular matchups to line up against your shortlist.

Frequently asked questions

What are the annual fees for HSBC Live+ Credit Card and BPCL SBI Octane Credit Card?: HSBC Live+ Credit Card has ₹999 + GST. BPCL SBI Octane Credit Card has ₹1,499 + GST. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: HSBC Live+ Credit Card earns about 1.5% on general spends; BPCL SBI Octane Credit Card earns about 0.25%. Category and partner rates may differ — see the table above.
What is the forex markup on each card?: HSBC Live+ Credit Card: 3.5%. BPCL SBI Octane Credit Card: 3.5% (plus 18% GST on the markup).
Do both cards include airport lounge access?: HSBC Live+ Credit Card: yes — see the lounge row above for limits. BPCL SBI Octane Credit Card: yes — see the lounge row above for limits.

Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.

Sources: HSBC Bank - HSBC Live+ · SBI Card - BPCL SBI Octane