Which card has the lower annual fee?

BDO American Express Cashback has the lowest annual fee at ₱3,000.

Which card earns more on moderate spend?

HSBC Live+ Credit Card leads with an estimated ₱7,174/yr net annual value on moderate spend.

Which card has the lower income requirement?

HSBC Live+ Credit Card lists a minimum monthly income of ₱33,334.

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

BDO American Express Cashback vs HSBC Live+ Credit Card

Honest side-by-side comparison of BDO American Express Cashback, HSBC Live+ 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.

Card 1

BDO American Express Cashback

BDO

Card 2

HSBC Live+ Credit Card

HSBC

Your adjusted comparison

Feature	BDO American Express Cashback BDO	HSBC Live+ Credit Card HSBC
Fees & eligibility
Annual fee	₱3,000	₱5,000
Fee waiver threshold	No waiver published	No waiver published
Min income	₱35,000/mo	₱33,334/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₱930/yr	₱7,174/yr
Online shopping	—	₱7,000 × 5% = ₱350/mo (₱4,200/yr) · issuer max ₱1,250/mo
Dining & delivery	—	₱5,000 × 8% = ₱400/mo (₱4,800/yr) · issuer max ₱1,250/mo
Fuel	—	₱4,000 × 3% = ₱120/mo (₱1,440/yr) · issuer max ₱600/mo
Travel	—	₱3,000 × 5% = ₱150/mo (₱1,800/yr) · issuer max ₱1,250/mo
Top reward rate	2% cashback	8% cashback
Primary reward cap	No monthly cap published	₱1,250 rewards/mo cap
Key exclusions	Not stated	Not stated
Bonuses
Signup bonus	—	—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

BDO American Express Cashback details →HSBC Live+ Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, HSBC Live+ Credit Card leads BDO American Express Cashback by about ₱6,244/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₱35,000/mo

₱35,000/month total spend — typical Philippines user

Groceries ₱8,000 · Online ₱7,000 · Dining ₱5,000 · Fuel ₱4,000 · Bills ₱3,500

BDO American Express Cashback vs HSBC Live+ Credit Card comparison table
Feature	BDO American Express Cashback BDO	HSBC Live+ Credit Card HSBC
Fees & eligibility
Annual fee	₱3,000	₱5,000
Fee waiver threshold	No waiver published	No waiver published
Min income	₱35,000/mo	₱33,334/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₱930/yr	₱7,174/yr
Online shopping	—	₱7,000 × 5% = ₱350/mo (₱4,200/yr) · issuer max ₱1,250/mo
Dining & delivery	—	₱5,000 × 8% = ₱400/mo (₱4,800/yr) · issuer max ₱1,250/mo
Fuel	—	₱4,000 × 3% = ₱120/mo (₱1,440/yr) · issuer max ₱600/mo
Travel	—	₱3,000 × 5% = ₱150/mo (₱1,800/yr) · issuer max ₱1,250/mo
Top reward rate	2% cashback	8% cashback
Primary reward cap	No monthly cap published	₱1,250 rewards/mo cap
Key exclusions	Not stated	Not stated
Bonuses
Signup bonus	—	—

Frequently asked questions

Which card has the lower annual fee?: BDO American Express Cashback has the lowest annual fee at ₱3,000.
Which card earns more on moderate spend?: HSBC Live+ Credit Card leads with an estimated ₱7,174/yr net annual value on moderate spend.
Which card has the lower income requirement?: HSBC Live+ Credit Card lists a minimum monthly income of ₱33,334.
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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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