Which card has the lower annual fee?

HDFC Bharat Cashback Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).

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?

HDFC Bharat Cashback Credit Card lists a minimum monthly income of ₹15,000.

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

HDFC Bharat Cashback Credit Card vs HSBC Live+ Credit Card vs IDFC FIRST Select Credit Card

Honest side-by-side comparison of HDFC Bharat Cashback Credit Card, HSBC Live+ Credit Card, IDFC FIRST Select 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 HDFC Bharat Cashback Credit Card by about ₹3,510/yr.

HDFC Bharat Cashback Credit Card vs HSBC Live+ Credit Card vs IDFC FIRST Select Credit Card comparison table
Feature	HDFC Bharat Cashback Credit Card HDFC Bank	HSBC Live+ Credit Card HSBC	IDFC FIRST Select Credit Card IDFC FIRST Bank
Annual fee	₹0	₹999	₹0
Min income (monthly)	₹15,000	₹30,000	₹30,000
Top reward rate	5% cashback	10%	3X reward points
Net annual value (moderate spend)	₹5,430/yr	₹8,940/yr	₹2,070/yr
Secured / FD-backed	No	No	No
Signup bonus	—	—	—

Frequently asked questions

Which card has the lower annual fee?: HDFC Bharat Cashback Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
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?: HDFC Bharat Cashback Credit Card lists a minimum monthly income of ₹15,000.
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.

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Your adjusted comparison

Feature	HDFC BankClassic HDFC Bharat Cashback Credit Card •••• •••• •••• 4242 Quick facts HDFC Bharat Cashback Credit Card Top reward5% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back HDFC Bharat Cashback Credit Card HDFC 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	IDFC FIRST BankPlatinum IDFC FIRST Select Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST Select Credit Card Top reward3X reward points Annual feeLifetime Free Min income₹30,000/mo Tap to flip back IDFC FIRST Select Credit Card IDFC FIRST Bank
Annual fee	₹0	₹999	₹0
Min income	₹15,000	₹30,000	₹30,000
Top reward rate	5% cashback	10%	3X reward points
Net value (moderate)	₹5,430/yr	₹8,940/yr	₹2,070/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	—	—

HDFC Bharat Cashback Credit Card details →HSBC Live+ Credit Card details →IDFC FIRST Select Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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