HSBC Live+ Credit Card vs ICICI Sapphiro
Detailed comparison of these two popular credit cards
Winner
HSBC Live+ Credit Card
HSBC India
Mid-RangeVS
ICICI Sapphiro
ICICI Bank
Premium*
Different Reward Types
Card 1 gives 💵 Cashback while Card 2 gives ⭐ Reward Points. We're showing effective cash values for fair comparison.
Annual Fee
₹999 vs ₹4K
Effective Rate
(cash value)
1.5% vs 0.5%
Lounge Access
None vs 4/quarter
Detailed Comparison
| Feature | HSBC Live+ Credit Card | ICICI Sapphiro |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹999 | ₹7K |
| Annual Fee | ₹999 | ₹4K |
| Fee Waiver | Spend ₹2L annually | Spend ₹6L annually |
| Forex Markup | - | 3.5% |
Rewards | ||
| Reward Type | 💵Cashback | ⭐Reward Points |
| Effective Cash Value | 1.5% | 0.5% |
Lounge Access | ||
| Domestic Lounges | None | 4/quarter |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹6.0L | ₹18.0L |
HSBC Live+ Credit Card is Best For
Dining and grocery heavy spenders
Watch Out
- • 10% cashback capped at ₹1000/month
Our Verdict
Based on overall features and value,
HSBC Live+ Credit Card wins!
Score: 31vsScore: 24
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