Which card has the lower annual fee?

Axis Bank Airtel Credit Card has the lowest annual fee at ₹500.

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?

Axis Bank Airtel Credit Card lists a minimum monthly income of ₹20,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

Axis Bank Airtel Credit Card vs HSBC Live+ Credit Card

Honest side-by-side comparison of Axis Bank Airtel Credit Card, HSBC Live+ 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 leads Axis Bank Airtel Credit Card by about ₹870/yr in estimated net value.

Axis Bank Airtel Credit Card vs HSBC Live+ Credit Card comparison table
Feature	Axis Bank Airtel Credit Card Axis Bank	HSBC Live+ Credit Card HSBC
Fees & eligibility
Annual fee	₹500	₹999
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Waived at ₹2,00,000/yr spend
Min income	₹20,000/mo	₹30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹8,070/yr	₹8,940/yr
Dining & delivery	10% cashback → ₹250/mo (₹3,000/yr) (cap hit)	10% cashback → ₹400/mo (₹4,800/yr)
Utilities & bills	25% cashback → ₹250/mo (₹3,000/yr) (cap hit)	—
Top reward rate	25%	10%
Primary reward cap	₹250 rewards/mo cap	₹1,000 rewards/mo cap
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet · Government	EMI · Fuel · Rent · Wallet · Insurance
Bonuses
Signup bonus	—	—

Frequently asked questions

Which card has the lower annual fee?: Axis Bank Airtel Credit Card has the lowest annual fee at ₹500.
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?: Axis Bank Airtel Credit Card lists a minimum monthly income of ₹20,000.
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.

Card 1

Axis Bank Airtel Credit Card

Axis Bank

Card 2

HSBC Live+ Credit Card

HSBC

Your adjusted comparison

Feature	Axis BankGold Axis Bank Airtel Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Airtel Credit Card Top reward25% Annual fee₹500 Min income₹20,000/mo Tap to flip back Axis Bank Airtel Credit Card Axis 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
Fees & eligibility
Annual fee	₹500	₹999
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Waived at ₹2,00,000/yr spend
Min income	₹20,000/mo	₹30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹8,070/yr	₹8,940/yr
Dining & delivery	10% cashback → ₹250/mo (₹3,000/yr) (cap hit)	10% cashback → ₹400/mo (₹4,800/yr)
Utilities & bills	25% cashback → ₹250/mo (₹3,000/yr) (cap hit)	—
Top reward rate	25%	10%
Primary reward cap	₹250 rewards/mo cap	₹1,000 rewards/mo cap
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet · Government	EMI · Fuel · Rent · Wallet · Insurance
Bonuses
Signup bonus	—	—

Axis Bank Airtel Credit Card details →HSBC Live+ Credit Card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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