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HSBC Live+ Credit Card vs YES ACE Credit Card

Honest side-by-side comparison of HSBC Live+ Credit Card, YES ACE Credit Card — 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.

HSBC Live+ Credit Card

HSBC

YES ACE Credit Card

YES Bank

Your adjusted comparison

Feature
HSBC Live+ Credit Card

HSBC Live+ Credit Card

HSBC

YES ACE Credit Card

YES ACE Credit Card

YES Bank

Fees & eligibility
Annual fee₹999₹499
Fee waiver thresholdWaived at ₹2,00,000/yr spendNo waiver published
Min income₹30,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹7,470/yr₹3,401/yr
Dining & delivery₹3,500 × 10% = ₹350/mo (₹4,200/yr) · issuer max ₹1,000/mo—
Fuel—₹3,000 × 4% = ₹120/mo (₹1,440/yr) · issuer max ₹1,000/mo
Top reward rate10%4% cashback
Primary reward cap₹1,000 rewards/mo cap₹1,000 eligible spend/mo
Perks & restrictions
Lounge access4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge accessNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Wallet · InsuranceEMI · Rent
Bonuses
Signup bonus——

Stack mode (hold both)

Cap-aware split: ~₹8,366/yr combined NAV (₹896 vs best solo). Both annual fees apply.

HSBC Live+ Credit Card details →YES ACE Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, HSBC Live+ Credit Card leads YES ACE Credit Card by about ₹4,069/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 YES ACE Credit Card comparison table
FeatureHSBC Live+ Credit Card

HSBC

YES ACE Credit Card

YES Bank

Fees & eligibility
Annual fee₹999₹499
Fee waiver thresholdWaived at ₹2,00,000/yr spendNo waiver published
Min income₹30,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹7,470/yr₹3,401/yr
Dining & delivery₹3,500 × 10% = ₹350/mo (₹4,200/yr) · issuer max ₹1,000/mo—
Fuel—₹3,000 × 4% = ₹120/mo (₹1,440/yr) · issuer max ₹1,000/mo
Top reward rate10%4% cashback
Primary reward cap₹1,000 rewards/mo cap₹1,000 eligible spend/mo
Perks & restrictions
Lounge access4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge accessNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Wallet · InsuranceEMI · Rent
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
YES ACE Credit Card has the lowest annual fee at ₹499.
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?
YES ACE Credit Card lists a minimum monthly income of ₹25,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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