Side-by-side · honest numbers
AU Zenith Credit Card vs HSBC Live+ Credit Card vs ICICI Sapphiro Credit Card
Honest side-by-side comparison of AU Zenith Credit Card, HSBC Live+ Credit Card, ICICI Sapphiro Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, HSBC Live+ Credit Card ranks first for estimated net annual value — ahead of ICICI Sapphiro Credit Card by about ₹5,384/yr.
| Feature | AU Zenith Credit Card AU Small Finance Bank | HSBC Live+ Credit Card HSBC | ICICI Sapphiro Credit Card ICICI Bank |
|---|---|---|---|
| Annual fee | ₹7,999 | ₹999 | ₹3,500 |
| Min income (monthly) | ₹75,000 | ₹30,000 | ₹75,000 |
| Top reward rate | 3X points/₹150 | 10% | 4 RP/₹100 |
| Net annual value (moderate spend) | -₹6,487/yr | ₹8,940/yr | ₹3,556/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | — | — | ₹4,000 |
Frequently asked questions
- Which card has the lower annual fee?
- HSBC Live+ Credit Card has the lowest annual fee at ₹999.
- Which card earns more on moderate spend?
- HSBC Live+ Credit Card leads with an estimated ₹8,940/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HSBC Live+ Credit Card lists a minimum monthly income of ₹30,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
Your adjusted comparison
| Feature | AU Small Finance BankPlatinum AU Zenith Credit Card •••• •••• •••• 4242 Quick facts AU Zenith Credit Card Top reward3X points/₹150 Annual fee₹7,999 Min income₹75,000/mo Tap to flip back AU Zenith Credit Card AU Small Finance Bank | HSBCGold HSBC Live+ Credit Card •••• •••• •••• 4242 Quick facts HSBC Live+ Credit Card Top reward10% Annual fee₹999 Min income₹30,000/mo Tap to flip back HSBC Live+ Credit Card HSBC | ICICI BankPlatinum ICICI Sapphiro Credit Card •••• •••• •••• 4242 Quick facts ICICI Sapphiro Credit Card Top reward4 RP/₹100 Annual fee₹3,500 Min income₹75,000/mo Tap to flip back ICICI Sapphiro Credit Card ICICI Bank |
|---|---|---|---|
| Annual fee | ₹7,999 | ₹999 | ₹3,500 |
| Min income | ₹75,000 | ₹30,000 | ₹75,000 |
| Top reward rate | 3X points/₹150 | 10% | 4 RP/₹100 |
| Net value (moderate) | -₹6,487/yr | ₹8,940/yr | ₹3,556/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | — | ₹4,000 |
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