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HSBC Live+ Credit Card vs Metrobank Cashback Visa

Honest side-by-side comparison of HSBC Live+ Credit Card, Metrobank Cashback Visa — 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

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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

Metrobank Cashback Visa

Metrobank

Your adjusted comparison

Feature
HSBC Live+ Credit Card

HSBC Live+ Credit Card

HSBC

Metrobank Cashback Visa credit card

Metrobank Cashback Visa

Metrobank

Fees & eligibility
Annual fee₱5,000₱3,500
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₱33,334/mo₱58,334/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₱7,174/yr₱3,514/yr
Online shopping₱7,000 × 5% = ₱350/mo (₱4,200/yr) · issuer max ₱1,250/mo—
Groceries (offline)—₱8,000 × 5% = ₱400/mo (₱4,800/yr) · issuer max ₱1,000/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—
Utilities & bills—₱3,500 × 5% = ₱175/mo (₱2,100/yr) · issuer max ₱1,000/mo
Top reward rate8% cashback5% cashback
Primary reward cap₱1,250 rewards/mo cap₱1,000 rewards/mo cap
Key exclusionsNot statedNot stated
Bonuses
Signup bonus——

Stack mode (hold both)

Cap-aware split: ~₱10,298/yr combined NAV (₱3,124 vs best solo). Both annual fees apply.

HSBC Live+ Credit Card details →Metrobank Cashback Visa details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, HSBC Live+ Credit Card leads Metrobank Cashback Visa by about ₱3,660/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

HSBC Live+ Credit Card vs Metrobank Cashback Visa comparison table
FeatureHSBC Live+ Credit Card

HSBC

Metrobank Cashback Visa

Metrobank

Fees & eligibility
Annual fee₱5,000₱3,500
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₱33,334/mo₱58,334/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₱7,174/yr₱3,514/yr
Online shopping₱7,000 × 5% = ₱350/mo (₱4,200/yr) · issuer max ₱1,250/mo—
Groceries (offline)—₱8,000 × 5% = ₱400/mo (₱4,800/yr) · issuer max ₱1,000/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—
Utilities & bills—₱3,500 × 5% = ₱175/mo (₱2,100/yr) · issuer max ₱1,000/mo
Top reward rate8% cashback5% cashback
Primary reward cap₱1,250 rewards/mo cap₱1,000 rewards/mo cap
Key exclusionsNot statedNot stated
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
Metrobank Cashback Visa has the lowest annual fee at ₱3,500.
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.

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