Side-by-side · honest numbers
HSBC Live+ Credit Card vs IDFC FIRST WOW Credit Card vs Standard Chartered Smart Card
Honest side-by-side comparison of HSBC Live+ Credit Card, IDFC FIRST WOW Credit Card, Standard Chartered Smart 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 Smart Card by about ₹5,209/yr.
| Feature | HSBC Live+ Credit Card HSBC | IDFC FIRST WOW Credit Card IDFC FIRST Bank | Standard Chartered Smart Card Standard Chartered |
|---|---|---|---|
| Annual fee | ₹999 | ₹0 | ₹499 |
| Min income (monthly) | ₹30,000 | Not stated | ₹30,000 |
| Top reward rate | 10% | 1X reward points | 2% cashback |
| Net annual value (moderate spend) | ₹8,940/yr | ₹800/yr | ₹3,731/yr |
| Secured / FD-backed | No | Yes | No |
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC FIRST WOW Credit Card 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 FIRST WOW Credit Card 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 BankClassic IDFC FIRST WOW Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST WOW Credit Card Top reward1X reward points Annual feeLifetime Free Tap to flip back IDFC FIRST WOW Credit Card IDFC FIRST Bank | Standard CharteredGold Standard Chartered Smart Card •••• •••• •••• 4242 Quick facts Standard Chartered Smart Card Top reward2% cashback Annual fee₹499 Min income₹30,000/mo Tap to flip back Standard Chartered Smart Card Standard Chartered |
|---|---|---|---|
| Annual fee | ₹999 | ₹0 | ₹499 |
| Min income | ₹30,000 | Not stated | ₹30,000 |
| Top reward rate | 10% | 1X reward points | 2% cashback |
| Net value (moderate) | ₹8,940/yr | ₹800/yr | ₹3,731/yr |
| Secured / no bureau | Standard | FD-backed | Standard |
| Signup bonus | — | — | — |
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