CARD VS CARD · 28 APPS COMPARED
Eternal SBI vs HSBC Live+
Eternal SBI wins on 3 apps, HSBC Live+ on 24. Eternal SBI for District and Apollo 24|7; HSBC Live+ for Airtel Thanks and AJIO.
Eternal SBI
3 apps
Best for District, Apollo 24|7 and Uber
They earn the same on 1 app.
App by app
Biggest differences first. Blue marks the card that earns more.
Airtel Thanks0%10%
AJIO1%min ₹10010%
BigBasket1%min ₹10010%
Domino's1%min ₹10010%
JioMart1%min ₹10010%
Meesho1%min ₹10010%
Nykaa1%min ₹10010%
Reliance Digital1%min ₹10010%
Swiggy1%min ₹10010%
Swiggy Instamart1%min ₹10010%
Tata CLiQ1%min ₹10010%
Tata Neu1%min ₹10010%
Zepto1%min ₹10010%
District10%min ₹1001.5%
Blinkit5%min ₹10010%
Apollo 24|75%min ₹1001.5%
Uber5%min ₹1001.5%
Amazon1%min ₹1001.5%
BookMyShow1%min ₹1001.5%
Cleartrip1%min ₹1001.5%
Flipkart1%min ₹1001.5%
Goibibo1%min ₹1001.5%
ixigo1%min ₹1001.5%
MakeMyTrip1%min ₹1001.5%
Myntra1%min ₹1001.5%
PVR INOX1%min ₹1001.5%
IRCTC Rail Connect0%min ₹1000.32%
Zomato10%min ₹10010%
Questions people ask
Which is better, Eternal SBI or HSBC Live+?
Eternal SBI earns more on 3 of the 28 apps Pickkard covers, HSBC Live+ on 24, and they earn the same on 1. Choose Eternal SBI if you spend most on District, Apollo 24|7 and Uber. Choose HSBC Live+ if you spend most on Airtel Thanks, AJIO and BigBasket. Eternal SBI has the lower annual fee (₹499 against ₹999).
Which has the lower fees, Eternal SBI or HSBC Live+?
Eternal SBI: joining ₹499, annual ₹499 (Renewal fee waived on annual spends over ₹2,00,000 (SBI's fee table says ₹1,00,000; the stricter figure is used).). HSBC Live+: joining ₹999, annual ₹999 (Annual fee (with GST) reversed when primary and add-on card spend exceeds ₹2,00,000 in the card year.).
Can I use both Eternal SBI and HSBC Live+?
Yes. Many people keep both and use each where it earns more: Eternal SBI on District, Apollo 24|7 and Uber, HSBC Live+ on Airtel Thanks, AJIO and BigBasket. Pickkard tells you which one to use each time you open a shopping app.
Rewards are as per each bank’s published terms (checked 22 Oct 2026 and 22 Oct 2026) and can change. Limits and minimum orders apply; see each card’s page for details. Pickkard isn’t a bank and isn’t paid by any bank for comparisons.