| Feature | HSBC LIVE+ | PHONEPE SBI Card SELECT BLACK | PHONEPE HDFC ULTIMO | SBI CASHBACK | SWIGGY BLCK | HDFC MILLENNIA | AMAZON PAY ICICI | FLIPKART AXIS | AIRTEL AXIS | TATA NEU INFINITY | SC SMART | Jupiter Edge+ CSB Bank RuPay Card | Bank of Baroda Eterna Credit Card | Kiwi RuPay Credit Card | AU Bank Xcite Ace Credit Card | Equitas Selfe Credit Card | Axis Bank Ace Credit Card | Bank of Baroda Cashback Credit Card | Axis Bank Cashback Credit Card |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining/Annual Fee | ₹999.00 | ₹ 1,499 | ₹ 999 | ₹ 999 | ₹500 | ₹ 1000 / LTF | LTF | ₹ 500 | ₹500.00 | ₹ 1499 / LTF | ₹499.00 | LTF | ₹2,499 | Free | ₹399 | Free | ₹499 | ₹500 | ₹500 |
| Annual Fee Waiver Spends | ₹2 Lakh | ₹3 Lakh | ₹2 Lakh | ₹2 Lakh | ₹2 Lakh | ₹1 Lakh | - | ₹3.5 Lakh | ₹2 Lakh | ₹3 Lakh | ₹1.2 Lakh | - | ₹2.5 Lakh | - | ₹1 Lakh | - | ₹2 Lakh | ₹1 Lakh | ₹2 Lakh |
| Welcome Benefit | ₹1000 cashback on ₹20K spend in 30 days + ₹250 Amazon voucher | ₹1500 PhonePe Gift Card (on eligible activation spend) | Joining fee reversal and PhonePe benefit as per active campaign | - | Complimentary 3-month Swiggy BLCK membership | 1000 CashPoints (~₹1000) | Amazon Pay balance benefits as per active onboarding campaign | ₹500 Flipkart voucher on 1st transaction | ₹500 Amazon eVoucher on first transaction within 30 days | - | - | ₹1000 worth of Jupiter Edge coins | 10,000 Bonus Reward Points | - | - | - | - | - | - |
| Domestic Lounge Visits | 4 visits/year | 4 visits/year | 8 visits/year | - | - | 4 visits/year | - | - | Discontinued (Effective April 12, 2026) | 8 visits/year | - | - | Unlimited | - | 4 visits/year | - | 4 visits/year | - | - |
| Spends for Lounge | - | - | ₹75K/quarter | - | - | ₹ 1L/quarter | - | - | - | ₹ 50K/quarter | - | - | - | - | - | - | ₹50K in calendar quarter | - | - |
| Education | - | - | - | - | - | 1% | - | - | - | 1.5% | 1% | 1% | - | - | - | - | - | - | - |
| Fuel | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Jewelry | - | 1% / 5% | - | - | - | 1% | 1% | - | - | 1.5% / 5% | 1% | 1% | - | - | - | - | - | - | - |
| Govt. Payments | - | - | - | - | - | - | - | - | - | - | 1% | - | - | - | - | - | - | - | - |
| Insurance | - | 10% | - | - | - | 1% | 1% / 2% | - | - | 1.5% / 3.4% | 1% | - | - | - | - | - | - | - | - |
| Offline Spends | 1.5% | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1.5% | 1% | 1% | 0.75% | 1% | 3% | 1% | 1.5% | 1% | 1% |
| Online Spends | 1.5% | 1% / 5% | 1% / 5% | 5% | 1% / 5% | 1% | 1% | 1% | 1% | 1.5% | 2% | 1% | 3.75% | 1% | 2% | 1% | 1.5% | 1% | 2% |
| Rent | - | - | - | - | - | - | - | - | - | - | 1% | - | - | - | - | - | - | - | - |
| Utilities | - | 10% | 10% | - | 1% | 1% | 2% | - | 10% (via Airtel Thanks app) | 1.5% / 3.4% | 1% | - | - | - | - | - | - | - | - |
| Wallets | - | - | - | - | - | - | 1% | - | - | - | 1% | - | - | - | - | - | - | - | - |
| Amazon | 1.5% | 5% | 5% | 5% | 5% | 5% | 5% / 3% | 1% | 1% | 1.5% | 2% (online eligible) | 10% | - | - | - | - | - | - | - |
| Amazon Fresh | 10% | 5% | 1% | 5% | 5% | 5% | 5% / 3% | 1% | 1% | 1.5% | 2% (online eligible) | 1% | - | - | - | - | - | - | - |
| BigBasket | 10% | 5% | 1% | 5% | 1% | 1% | 2% | 1% | 1% | 5% | 2% (online eligible) | 1% | - | - | - | - | - | - | - |
| Blinkit | 10% | 5% | 1% | 5% | 1% | 1% | 1%/2% | 1% | 10% value-back | 1.5% | 2% (online eligible) | 1% | - | - | - | - | - | - | - |
| Flipkart | 1.5% | 5% | 5% | 5% | 5% | 5% | 1% | 5% | 1% | 1.5% | 2% (online eligible) | 10% | - | - | - | - | - | - | - |
| Flipkart Grocery | 1.5% | 5% | 1% | 5% | 5% | 5% | 1% | 5% | 1% | 1.5% | 2% (online eligible) | 1% | - | - | - | - | - | - | - |
| JioMart | 10% | 5% | 1% | 5% | 1% | 1% | 1% | 1% | 1% | 1.5% | 2% (online eligible) | 1% | - | - | - | - | - | - | - |
| Myntra | 1.5% | 5% | 5% | 5% | 5% | 5% | 1% | 7.5% | 1% | 1.5% | 2% (online eligible) | 10% | - | - | - | - | - | - | - |
| Ola | 1.5% | 5% | 1% | 5% | 5% | 1% | 1% | 1% | 1% | 1.5% | 2% (online eligible) | 1% | - | - | - | - | - | - | - |
| Swiggy | 10% | 5% | 5% | 5% | 10% | 5% | 1% | 4% | 1% | 1.5% | 2% (online eligible) | 1% | - | - | - | - | - | - | - |
| Rapido | 1.5% | 5% | 1% | 5% | 5% | 1% | 1% | 1% | 1% | 1.5% | 2% (online eligible) | 1% | - | - | - | - | - | - | - |
| Uber | 1.5% | 5% | 5% | 5% | 5% | 5% | 1% | 4% | 1% | 1.5% | 2% (online eligible) | 1% | - | - | - | - | - | - | - |
| Zomato | 10% | 5% | 5% | 5% | 1% | 5% | 1% | 1% | 10% value-back | 1.5% | 2% (online eligible) | 1% | - | - | - | - | - | - | - |
| NPS | - | - | - | - | - | - | 1% | - | - | - | 1% | - | - | - | - | - | - | - | - |
| Notes | Maximum ₹1000 cashback limit per billing cycle for 10% category | Maximum cashback capped at ₹2000 for PhonePe spends, ₹2000 for online spends and ₹2000 for other spends. Gift Cards (SBI Card Gyftr) gives 5% cashback. Get 5K Yatra GV on 5L spend. | Maximum cashback capped at ₹1000 for PhonePe spends, ₹500 for online spends and ₹500 for other spends. Use Scan and Pay for 1% cashback. | 5% cashback capped at ₹2000 per statement cycle. Buy gift cards with non-gift card MCC apps to get 5% cashback. | 10% and 5% cashback capped at ₹1500 each per statement. 1% cashback capped at ₹1000 per statement. | 5% and 1% cashback capped at ₹1000 each per calendar month | No Caps | ₹4000 per quarter cap each for Flipkart and Myntra | Effective Apr 12, 2026: lounge access discontinued. Airtel and utility cashback caps now depend on base 1% category spend; 10% partner benefit moved from Swiggy/Zomato/BigBasket cashback to Zomato/Blinkit/District value-back buckets. Base 1% applies on other eligible spends. | Fair Usage Limits as per merchant are applicable. 5% on Tanishq, 1.5% on other jewellery. 3.4% rewards net of conv. Fee on Neu app for utility/insurance payments. Buy GV on Neu App. | 2% applies to eligible online spends and 1% to other eligible spends; monthly cashback caps and exclusion MCCs apply. | 10% Cashback Caps Category Capping: 10,000 Jewels Merchant Capping: 3000 Jewels Transaction level Capping: 1000 Jewels | Premium lifestyle and travel rewards. 15 Reward points per ₹100 on travel, dining, and online spends. | Earn 2 Kiwis per ₹100 spent via UPI scan and pay. 1 Kiwi = ₹0.25. | Great choice for maximizing offline spends. | Requires Fixed Deposit starting at ₹20,000. | Excellent baseline 1.5% cashback on all other eligible spends. | 5% cashback on online utility and grocery spends. | Alternative generic cashback card for everyday use. |
| Gift Cards | - | 5% ★ | - | 5% ★ | - | - | - | - | - | 5% ★ | - | - | - | - | - | - | - | - | - |