Which card has the lower annual fee?

ICICI Platinum Chip 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 ₹7,470/yr net annual value on moderate spend.

Which card has the lower income requirement?

ICICI Platinum Chip lists a minimum monthly income of ₹18,000.

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 Live+ Credit Card vs ICICI Platinum Chip

Honest side-by-side comparison of HSBC Live+ Credit Card, ICICI Platinum Chip — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

HSBC Live+ Credit Card

HSBC

Card 2

ICICI Platinum Chip

ICICI Bank

Your adjusted comparison

Feature	HSBC Live+ Credit Card HSBC	ICICI Platinum Chip ICICI Bank
Fees & eligibility
Annual fee	₹999	Lifetime free
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Lifetime free
Min income	₹30,000/mo	₹18,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹7,470/yr	-₹36/yr
Dining & delivery	₹3,500 × 10% = ₹350/mo (₹4,200/yr) · issuer max ₹1,000/mo	—
Top reward rate	10%	1 RP/₹150
Primary reward cap	₹1,000 rewards/mo cap	No monthly cap published
Perks & restrictions
Lounge access	4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet · Insurance	EMI · Fuel
Bonuses
Signup bonus	—	—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

HSBC Live+ Credit Card details →ICICI Platinum Chip details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, HSBC Live+ Credit Card leads ICICI Platinum Chip by about ₹7,506/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

HSBC Live+ Credit Card vs ICICI Platinum Chip comparison table
Feature	HSBC Live+ Credit Card HSBC	ICICI Platinum Chip ICICI Bank
Fees & eligibility
Annual fee	₹999	Lifetime free
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Lifetime free
Min income	₹30,000/mo	₹18,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹7,470/yr	-₹36/yr
Dining & delivery	₹3,500 × 10% = ₹350/mo (₹4,200/yr) · issuer max ₹1,000/mo	—
Top reward rate	10%	1 RP/₹150
Primary reward cap	₹1,000 rewards/mo cap	No monthly cap published
Perks & restrictions
Lounge access	4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet · Insurance	EMI · Fuel
Bonuses
Signup bonus	—	—

Frequently asked questions

Which card has the lower annual fee?: ICICI Platinum Chip 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 ₹7,470/yr net annual value on moderate spend.
Which card has the lower income requirement?: ICICI Platinum Chip lists a minimum monthly income of ₹18,000.
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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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