Side-by-side · honest numbers
HSBC Live+ Credit Card vs UnionBank Cash Back Visa Platinum
Honest side-by-side comparison of HSBC Live+ Credit Card, UnionBank Cash Back Visa Platinum — 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
UnionBank Cash Back Visa Platinum
UnionBank
Your adjusted comparison
| Feature | HSBC Live+ Credit Card HSBC | UnionBank Cash Back Visa Platinum UnionBank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₱5,000 | ₱4,500 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ₱33,334/mo | ₱15,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₱7,174/yr | ₱2,029/yr |
| Online shopping | ₱7,000 × 5% = ₱350/mo (₱4,200/yr) · issuer max ₱1,250/mo | — |
| Groceries (offline) | — | ₱8,000 × 6% = ₱480/mo (₱5,760/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 | — |
| Utilities & bills | — | ₱3,500 × 2% = ₱70/mo (₱840/yr) · issuer max ₱500/mo |
| Top reward rate | 8% cashback | Up to 6% cashback |
| Primary reward cap | ₱1,250 rewards/mo cap | ₱1,250 rewards/mo cap |
| Key exclusions | Not stated | Not stated |
| Bonuses | ||
| Signup bonus | — | — |
Stack mode (hold both)
Cap-aware split: ~₱8,906/yr combined NAV (₱1,732 vs best solo). Both annual fees apply.
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https://cardhungry.com/ph/en/compare/hsbc-live-plus-ph-vs-unionbank-cashback-visaReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, HSBC Live+ Credit Card leads UnionBank Cash Back Visa Platinum by about ₱5,145/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
| Feature | HSBC Live+ Credit Card HSBC | UnionBank Cash Back Visa Platinum UnionBank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₱5,000 | ₱4,500 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ₱33,334/mo | ₱15,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₱7,174/yr | ₱2,029/yr |
| Online shopping | ₱7,000 × 5% = ₱350/mo (₱4,200/yr) · issuer max ₱1,250/mo | — |
| Groceries (offline) | — | ₱8,000 × 6% = ₱480/mo (₱5,760/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 | — |
| Utilities & bills | — | ₱3,500 × 2% = ₱70/mo (₱840/yr) · issuer max ₱500/mo |
| Top reward rate | 8% cashback | Up to 6% cashback |
| Primary reward cap | ₱1,250 rewards/mo cap | ₱1,250 rewards/mo cap |
| Key exclusions | Not stated | Not stated |
| Bonuses | ||
| Signup bonus | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- UnionBank Cash Back Visa Platinum has the lowest annual fee at ₱4,500.
- 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?
- UnionBank Cash Back Visa Platinum lists a minimum monthly income of ₱15,000.
- 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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