Side-by-side · honest numbers
HSBC Live+ Credit Card vs IDFC Ashva Gold (FD) vs Standard Chartered Ultimate Credit Card
Honest side-by-side comparison of HSBC Live+ Credit Card, IDFC Ashva Gold (FD), Standard Chartered Ultimate 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 Standard Chartered Ultimate Credit Card by about ₹3,980/yr.
| Feature | HSBC Live+ Credit Card HSBC | IDFC Ashva Gold (FD) IDFC FIRST Bank | Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|---|
| Annual fee | ₹999 | ₹0 | ₹5,000 |
| Min income (monthly) | ₹30,000 | Not stated | ₹60,000 |
| Top reward rate | 10% | 2X reward points | 5% |
| Net annual value (moderate spend) | ₹8,940/yr | ₹1,600/yr | ₹4,960/yr |
| Secured / FD-backed | No | Yes | No |
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC Ashva Gold (FD) 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?
- HSBC Live+ Credit Card lists a minimum monthly income of ₹30,000.
- Which cards are secured (FD-backed)?
- IDFC Ashva Gold (FD) is secured — useful for thin credit files without a bureau pull at application.
- 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.
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 | IDFC FIRST BankGold IDFC Ashva Gold (FD) •••• •••• •••• 4242 Quick facts IDFC Ashva Gold (FD) Top reward2X reward points Annual feeLifetime Free Tap to flip back IDFC Ashva Gold (FD) IDFC FIRST Bank | Standard CharteredPlatinum Standard Chartered Ultimate Credit Card •••• •••• •••• 4242 Quick facts Standard Chartered Ultimate Credit Card Top reward5% Annual fee₹5,000 Min income₹60,000/mo Tap to flip back Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|---|
| Annual fee | ₹999 | ₹0 | ₹5,000 |
| Min income | ₹30,000 | Not stated | ₹60,000 |
| Top reward rate | 10% | 2X reward points | 5% |
| Net value (moderate) | ₹8,940/yr | ₹1,600/yr | ₹4,960/yr |
| Secured / no bureau | Standard | FD-backed | Standard |
| Signup bonus | — | — | — |
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