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?

slice credit card lists a minimum monthly income of ₹15,000.

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.

Side-by-side · honest numbers

HSBC Live+ Credit Card vs IDFC FIRST WOW Credit Card vs slice credit card

Honest side-by-side comparison of HSBC Live+ Credit Card, IDFC FIRST WOW Credit Card, slice 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 slice credit card by about ₹5,430/yr.

HSBC Live+ Credit Card vs IDFC FIRST WOW Credit Card vs slice credit card comparison table
Feature	HSBC Live+ Credit Card HSBC	IDFC FIRST WOW Credit Card IDFC FIRST Bank	slice credit card Slice
Fees & eligibility
Annual fee	₹999	Lifetime free	Lifetime free
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Lifetime free	Lifetime free
Min income	₹30,000/mo	Not stated	₹15,000/mo
Secured / FD-backed	Standard	FD-backed	Standard
Rewards
Net annual value (moderate)	₹8,940/yr	₹800/yr	₹3,510/yr
Dining & delivery	10% cashback → ₹400/mo (₹4,800/yr)	—	—
Top reward rate	10%	1X reward points	Up to 1% cashback
Primary reward cap	₹1,000 rewards/mo cap	No monthly cap published	₹500 eligible spend/mo
UPI rewards	Not supported (Visa/MC)	Earns: Reward points on eligible spends via UPI and card · cap Lifetime-free; standard earn caps per IDFC T&Cs	Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap
Key exclusions	EMI · Fuel · Rent · Wallet · Insurance	Not stated	Rent · Wallet loads · EMI
Bonuses
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?: slice credit card lists a minimum monthly income of ₹15,000.
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.

Card 1

HSBC Live+ Credit Card

HSBC

Card 2

IDFC FIRST WOW Credit Card

IDFC FIRST Bank

Card 3

slice credit card

Slice

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	SliceGold slice credit card •••• •••• •••• 4242 Quick facts slice credit card Top rewardUp to 1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back slice credit card Slice
Fees & eligibility
Annual fee	₹999	Lifetime free	Lifetime free
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Lifetime free	Lifetime free
Min income	₹30,000/mo	Not stated	₹15,000/mo
Secured / FD-backed	Standard	FD-backed	Standard
Rewards
Net annual value (moderate)	₹8,940/yr	₹800/yr	₹3,510/yr
Dining & delivery	10% cashback → ₹400/mo (₹4,800/yr)	—	—
Top reward rate	10%	1X reward points	Up to 1% cashback
Primary reward cap	₹1,000 rewards/mo cap	No monthly cap published	₹500 eligible spend/mo
UPI rewards	Not supported (Visa/MC)	Earns: Reward points on eligible spends via UPI and card · cap Lifetime-free; standard earn caps per IDFC T&Cs	Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap
Key exclusions	EMI · Fuel · Rent · Wallet · Insurance	Not stated	Rent · Wallet loads · EMI
Bonuses
Signup bonus	—	—	—

HSBC Live+ Credit Card details →IDFC FIRST WOW Credit Card details →slice credit card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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