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HSBC Live+ Credit Card vs ICICI Platinum Chip vs SBI Card PRIME

Honest side-by-side comparison of HSBC Live+ Credit Card, ICICI Platinum Chip, SBI Card PRIME — 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 SBI Card PRIME by about ₹7,439/yr.

HSBC Live+ Credit Card vs ICICI Platinum Chip vs SBI Card PRIME comparison table
FeatureHSBC Live+ Credit Card

HSBC

ICICI Platinum Chip

ICICI Bank

SBI Card PRIME

SBI Card

Fees & eligibility
Annual fee₹999Lifetime free₹2,999
Fee waiver thresholdWaived at ₹2,00,000/yr spendLifetime free₹5,00,000/yr
Min income₹30,000/mo₹18,000/mo₹45,000/mo
Secured / FD-backedStandardStandardStandard
Rewards
Net annual value (moderate)₹8,940/yr-₹142/yr₹1,501/yr
Dining & delivery10% cashback → ₹400/mo (₹4,800/yr)——
Travel——6 pts per ₹150 spend → ₹50/mo (₹600/yr)
Top reward rate10%1 RP/₹1504X reward points
Primary reward cap₹1,000 rewards/mo capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge accessNoneNoneDomestic lounge visits per year — verify count
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Wallet · InsuranceEMI · FuelFuel · Rent · Wallet · EMI
Bonuses
Signup bonus——₹3,000

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 ₹8,940/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

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

HSBC Live+ Credit Card

HSBC

ICICI Platinum Chip

ICICI Bank

SBI Card PRIME

SBI Card

Your adjusted comparison

Feature
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 BankClassic

ICICI Platinum Chip

•••• •••• •••• 4242

Quick facts

ICICI Platinum Chip

Top reward1 RP/₹150
Annual feeLifetime Free
Min income₹18,000/mo

Tap to flip back

ICICI Platinum Chip

ICICI Bank

SBI CardPlatinum

SBI Card PRIME

•••• •••• •••• 4242

Quick facts

SBI Card PRIME

Top reward4X reward points
Annual fee₹2,999
Min income₹45,000/mo

Tap to flip back

SBI Card PRIME

SBI Card

Fees & eligibility
Annual fee₹999Lifetime free₹2,999
Fee waiver thresholdWaived at ₹2,00,000/yr spendLifetime free₹5,00,000/yr
Min income₹30,000/mo₹18,000/mo₹45,000/mo
Secured / FD-backedStandardStandardStandard
Rewards
Net annual value (moderate)₹8,940/yr-₹142/yr₹1,501/yr
Dining & delivery10% cashback → ₹400/mo (₹4,800/yr)——
Travel——6 pts per ₹150 spend → ₹50/mo (₹600/yr)
Top reward rate10%1 RP/₹1504X reward points
Primary reward cap₹1,000 rewards/mo capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge accessNoneNoneDomestic lounge visits per year — verify count
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Wallet · InsuranceEMI · FuelFuel · Rent · Wallet · EMI
Bonuses
Signup bonus——₹3,000
HSBC Live+ Credit Card details →ICICI Platinum Chip details →SBI Card PRIME details →

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