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| Feature | HSBC India HSBC Live+ Credit Card | Kotak Mahindra Bank Kotak Cashback+ Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HSBC India | Kotak Mahindra Bank |
| Network | Visa | Visa + RuPay |
| Annual fee | ₹999 + GST per year | ₹750 + GST per year |
| Annual fee waiver | At ₹2,00,000 annual spending | At ₹2,00,000 annual spending |
| Base reward rate | 1.5% | 0.5% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Bills & utilities | 10% · Dining, grocery, shopping and utility cashback | Excluded |
| Dining & delivery | 10% · Dining, grocery, shopping and utility cashback | 0.5% · Online grocery, food and entertainment cashback |
| Groceries & essentials | 10% · Dining, grocery, shopping and utility cashback | 0.5% · Online grocery, food and entertainment cashback |
| Online shopping | 10% · Dining, grocery, shopping and utility cashback | 0.5% · RuPay credit-card UPI cashback |
| Fuel & commute | Excluded | 3% · Fuel cashback |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | 10% accelerated cashback: ₹1,200/month | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Eligible for merchant UPI payments |
| Airport lounge access | 2 domestic airport lounge visits per year • 1 international airport lounge visit per year | No complimentary airport lounge access recorded |
| Forex markup | 2.0% | 3.5% |
| Monthly income requirement | Approx. ₹50,000/month salaried · ₹1,00,000/month self-employed | Not listed |
| Terms verified | 21 Sept 2026 | 13 Sept 2026 |
| Best suited to | Households spending steadily across dining, groceries and utilities who also want occasional lounge access. | Households spending regularly on online groceries, food delivery, OTT or movies and fuel. |
| Main trade-off | The 10% rate is capped monthly, so once you cross the cap the effective blended rate drops toward the 1.5% base for the rest of the cycle. | The accelerated categories share a ₹750 cashback cap per billing cycle. Utilities, insurance, education, rent and several other categories do not earn rewards. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
