On a typical ₹50,000 a month, HSBC Live+ Credit Card returns about ₹16,200 a year after its fee and Kotak Cashback+ Credit Card about ₹8,220: a gap of ₹7,980. Points counted as cashback.
| Monthly card spend | HSBC Live+ Credit Card | Kotak Cashback+ Credit Card |
|---|---|---|
| ₹20,000 | ₹14,121 | ₹3,120 |
| ₹50,000 | ₹16,200 | ₹8,220 |
| ₹1,20,000 | ₹18,720 | ₹13,741 |
| Spending | HSBC Live+ Credit Card | Kotak Cashback+ Credit Card |
|---|---|---|
| Online shopping | ₹4,645 (10%) | ₹600 (0.5%) |
| Groceries | ₹3,716 (10%) | ₹2,640 (5%) |
| Food delivery | ₹1,858 (10%) | ₹2,400 (5%) |
| Dining out | ₹1,858 (10%) | ₹240 (0.5%) |
| Fuel | ₹0 (0%) | ₹1,440 (3%) |
| Bills & utilities | ₹2,323 (10%) | ₹0 (0%) |
| Travel & flights | ₹900 (1.5%) | ₹300 (0.5%) |
| UPI payments | ₹0 (0%) | ₹300 (0.5%) |
| Everything else | ₹900 (1.5%) | ₹300 (0.5%) |
| HSBC Live+ Credit Card | Kotak Cashback+ Credit Card | |
|---|---|---|
| Annual fee | ₹999 | ₹750 |
| Fee waived at | ₹2,00,000 a year | ₹2,00,000 a year |
| Foreign markup | 1.99% | Not published |
HSBC Live+ Credit Card · Kotak Cashback+ Credit Card · Compare on your own spending
On a typical ₹50,000 a month, HSBC Live+ Credit Card returns about ₹16,200 a year after its fee and Kotak Cashback+ Credit Card about ₹8,220: a gap of ₹7,980. That is for a typical mix of spending with points counted as cashback. The better card for you depends on where your money goes, so compare them on your own numbers on SahiCard.
At ₹20,000 a month: HSBC Live+ Credit Card ₹14,121, Kotak Cashback+ Credit Card ₹3,120. At ₹50,000 a month: HSBC Live+ Credit Card ₹16,200, Kotak Cashback+ Credit Card ₹8,220. At ₹1,20,000 a month: HSBC Live+ Credit Card ₹18,720, Kotak Cashback+ Credit Card ₹13,741.
Each card's rates, caps, exclusions and fees are read from the bank's own pages (last on 2026-09-30), then applied to the same spending for both cards.