Side-by-side · honest numbers
HDFC Regalia Gold vs HSBC Live+ Credit Card vs ICICI Bank MakeMyTrip Credit Card
Honest side-by-side comparison of HDFC Regalia Gold, HSBC Live+ Credit Card, ICICI Bank MakeMyTrip 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 Regalia Gold by about ₹3,384/yr.
| Feature | HDFC Regalia Gold HDFC Bank | HSBC Live+ Credit Card HSBC | ICICI Bank MakeMyTrip Credit Card ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹2,500 | ₹999 | ₹999 |
| Fee waiver threshold | Waived at ₹4,00,000/yr spend | Waived at ₹2,00,000/yr spend | Waived at ₹3,00,000/yr spend |
| Min income | ₹50,000/mo | ₹30,000/mo | ₹35,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,556/yr | ₹8,940/yr | ₹3,900/yr |
| Dining & delivery | — | 10% cashback → ₹400/mo (₹4,800/yr) | — |
| Travel | — | — | 15 pts per ₹150 spend → ₹125/mo (₹1,500/yr) |
| Top reward rate | 4 RP/₹150 | 10% | 10X reward points |
| Primary reward cap | No monthly cap published | ₹1,000 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Up to 2 lounge vouchers/quarter · ₹1,00,000 spend per calendar quarter — generate voucher on Regalia SmartBuy (intl PP separate) | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet · Insurance | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹2,500 | — | ₹1,500 |
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.
HDFC Regalia Gold
HDFC Bank
HSBC Live+ Credit Card
HSBC
ICICI Bank MakeMyTrip Credit Card
ICICI Bank
Your adjusted comparison
| Feature | HDFC BankPlatinum HDFC Regalia Gold •••• •••• •••• 4242 Quick facts HDFC Regalia Gold Top reward4 RP/₹150 Annual fee₹2,500 Min income₹50,000/mo Tap to flip back HDFC Regalia Gold 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 | ICICI BankPlatinum ICICI Bank MakeMyTrip Credit Card •••• •••• •••• 4242 Quick facts ICICI Bank MakeMyTrip Credit Card Top reward10X reward points Annual fee₹999 Min income₹35,000/mo Tap to flip back ICICI Bank MakeMyTrip Credit Card ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹2,500 | ₹999 | ₹999 |
| Fee waiver threshold | Waived at ₹4,00,000/yr spend | Waived at ₹2,00,000/yr spend | Waived at ₹3,00,000/yr spend |
| Min income | ₹50,000/mo | ₹30,000/mo | ₹35,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,556/yr | ₹8,940/yr | ₹3,900/yr |
| Dining & delivery | — | 10% cashback → ₹400/mo (₹4,800/yr) | — |
| Travel | — | — | 15 pts per ₹150 spend → ₹125/mo (₹1,500/yr) |
| Top reward rate | 4 RP/₹150 | 10% | 10X reward points |
| Primary reward cap | No monthly cap published | ₹1,000 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Up to 2 lounge vouchers/quarter · ₹1,00,000 spend per calendar quarter — generate voucher on Regalia SmartBuy (intl PP separate) | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet · Insurance | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹2,500 | — | ₹1,500 |
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https://cardhungry.com/in/en/compare/hdfc-regalia-gold-vs-hsbc-live-plus-vs-icici-makemytripMore HDFC Regalia Gold comparisons
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