Which card has the lower annual fee?

HSBC Cashback 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.

Side-by-side · honest numbers

HSBC Cashback Credit Card vs HSBC Live+ Credit Card vs RBL Bank Icon Credit Card

Honest side-by-side comparison of HSBC Cashback Credit Card, HSBC Live+ Credit Card, RBL Bank Icon 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 HSBC Cashback Credit Card by about ₹999/yr.

HSBC Cashback Credit Card vs HSBC Live+ Credit Card vs RBL Bank Icon Credit Card comparison table
Feature	HSBC Cashback Credit Card HSBC	HSBC Live+ Credit Card HSBC	RBL Bank Icon Credit Card RBL Bank
Annual fee	₹999	₹999	₹5,000
Min income (monthly)	₹40,000	₹30,000	₹50,000
Top reward rate	10%	10%	2X points/₹150
Net annual value (moderate spend)	₹7,941/yr	₹8,940/yr	-₹4,803/yr
Secured / FD-backed	No	No	No
Signup bonus	—	—	—

Frequently asked questions

Which card has the lower annual fee?: HSBC Cashback 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.

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Your adjusted comparison

Feature	HSBCGold HSBC Cashback Credit Card •••• •••• •••• 4242 Quick facts HSBC Cashback Credit Card Top reward10% Annual fee₹999 Min income₹40,000/mo Tap to flip back HSBC Cashback Credit Card HSBC	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	RBL BankPlatinum RBL Bank Icon Credit Card •••• •••• •••• 4242 Quick facts RBL Bank Icon Credit Card Top reward2X points/₹150 Annual fee₹5,000 Min income₹50,000/mo Tap to flip back RBL Bank Icon Credit Card RBL Bank
Annual fee	₹999	₹999	₹5,000
Min income	₹40,000	₹30,000	₹50,000
Top reward rate	10%	10%	2X points/₹150
Net value (moderate)	₹7,941/yr	₹8,940/yr	-₹4,803/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	—	—

HSBC Cashback Credit Card details →HSBC Live+ Credit Card details →RBL Bank Icon Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HSBC Cashback Credit Card comparisons