Which card has the lower annual fee?

RCBC Flex Gold Visa 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?

RCBC Flex Gold Visa 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.

Side-by-side · honest numbers

HSBC Live+ Credit Card vs RCBC Flex Gold Visa

Honest side-by-side comparison of HSBC Live+ Credit Card, RCBC Flex Gold 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

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

HSBC Live+ Credit Card

HSBC

Card 2

RCBC Flex Gold Visa

RCBC

Your adjusted comparison

Feature	HSBC Live+ Credit Card HSBC	RCBC Flex Gold Visa RCBC
Fees & eligibility
Annual fee	₱5,000	₱3,000
Fee waiver threshold	No waiver published	No waiver published
Min income	₱33,334/mo	₱25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₱7,174/yr	₱2,550/yr
Online shopping	₱7,000 × 5% = ₱350/mo (₱4,200/yr) · issuer max ₱1,250/mo	—
Groceries (offline)	—	₱8,000 × 2% = ₱160/mo (₱1,920/yr) · issuer max ₱800/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	₱4,000 × 2% = ₱80/mo (₱960/yr) · issuer max ₱800/mo
Travel	₱3,000 × 5% = ₱150/mo (₱1,800/yr) · issuer max ₱1,250/mo	₱3,000 × 2% = ₱60/mo (₱720/yr) · issuer max ₱800/mo
Top reward rate	8% cashback	2× Rewards Points
Primary reward cap	₱1,250 rewards/mo cap	₱800 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.

HSBC Live+ Credit Card details →RCBC Flex Gold Visa details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, HSBC Live+ Credit Card leads RCBC Flex Gold Visa by about ₱4,624/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 RCBC Flex Gold Visa comparison table
Feature	HSBC Live+ Credit Card HSBC	RCBC Flex Gold Visa RCBC
Fees & eligibility
Annual fee	₱5,000	₱3,000
Fee waiver threshold	No waiver published	No waiver published
Min income	₱33,334/mo	₱25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₱7,174/yr	₱2,550/yr
Online shopping	₱7,000 × 5% = ₱350/mo (₱4,200/yr) · issuer max ₱1,250/mo	—
Groceries (offline)	—	₱8,000 × 2% = ₱160/mo (₱1,920/yr) · issuer max ₱800/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	₱4,000 × 2% = ₱80/mo (₱960/yr) · issuer max ₱800/mo
Travel	₱3,000 × 5% = ₱150/mo (₱1,800/yr) · issuer max ₱1,250/mo	₱3,000 × 2% = ₱60/mo (₱720/yr) · issuer max ₱800/mo
Top reward rate	8% cashback	2× Rewards Points
Primary reward cap	₱1,250 rewards/mo cap	₱800 rewards/mo cap
Key exclusions	Not stated	Not stated
Bonuses
Signup bonus	—	—

Frequently asked questions

Which card has the lower annual fee?: RCBC Flex Gold Visa 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?: RCBC Flex Gold Visa 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.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

More HSBC Live+ Credit Card comparisons