HSBC Live+ Credit Card vs Adani One ICICI Bank Platinum Credit Card
HSBC Bank · ICICI Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
HSBC BankScoreVery Good
Annual Fee₹999
Max Reward10%
ScoreVery Good
Annual Fee₹750
Max Reward3%
Even Match: Both cards tie with an identical CardCheck Score of 74/100.
4-Pillar Head-to-Head Breakdown
HSBC vs AdaniReward Power
35%HSBC35/35
Adani27/35
HSBC Wins
Fee Value & ROI
25%HSBC20/25
Adani20/25
Tie (20/25)
Lounge & Travel
20%HSBC11/20
Adani15/20
Adani Wins
Forex & Access
20%HSBC8/20
Adani12/20
Adani Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 74
- 74
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 35/35
- 27/35
- Fee Value & ROI (25%)
- 20/25
- 20/25
- Lounge & Travel (20%)
- 11/20
- 15/20
- Forex & Access (20%)
- 8/20
- 12/20
02—Basic Info
- Bank
- HSBC Bank
- ICICI Bank
- Network
- Visa
- Visa
- Card type
- Regular
- Co-branded
- Best for
- Food delivery & dining — 10% cashback on Swiggy, Zomato & restaurants
- Adani One travel bookings — flights, hotels & Adani properties
03—Fees
- Joining fee
- ₹999
- ₹750Best
- Annual fee
- ₹999
- ₹750Best
- Fee waiver
- ₹2,00,000
- ₹1,00,000Best
- Interest-free days
- 45
- 50Best
04—Interest
- APR (min)
- 42%
- 42%
- APR (max)
- 42%Best
- 45%
- Late payment fee
- ₹1,200
- ₹1,200
- Cash advance fee
- 5%
- 2.5%Best
05—Rewards
- Reward type
- cashback
- cashback
- Min rate
- 1.5%Best
- 0.5%
- Max rate
- 10%Best
- 3%
- Monthly cap
- ₹1,000
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 1
- 2Best
- Intl lounge / year
- 0
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 18
- 18
- Min income / month
- ₹35,000
- ₹20,000
- Min CIBIL
- 720
- 700Best
- Invite only
Rows won
03of 10
07of 10
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 74 | 74 |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 35/35 | 27/35 |
| Fee Value & ROI (25%) | 20/25 | 20/25 |
| Lounge & Travel (20%) | 11/20 | 15/20 |
| Forex & Access (20%) | 8/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | HSBC Bank | ICICI Bank |
| Network | Visa | Visa |
| Card type | Regular | Co-branded |
| Best for | Food delivery & dining — 10% cashback on Swiggy, Zomato & restaurants | Adani One travel bookings — flights, hotels & Adani properties |
03—Fees Differences highlighted | ||
| Joining fee | ₹999 | ₹750Best |
| Annual fee | ₹999 | ₹750Best |
| Fee waiver | ₹2,00,000 | ₹1,00,000Best |
| Interest-free days | 45 | 50Best |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 42% |
| APR (max) | 42%Best | 45% |
| Late payment fee | ₹1,200 | ₹1,200 |
| Cash advance fee | 5% | 2.5%Best |
05—Rewards Differences highlighted | ||
| Reward type | cashback | cashback |
| Min rate | 1.5%Best | 0.5% |
| Max rate | 10%Best | 3% |
| Monthly cap | ₹1,000 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 1 | 2Best |
| Intl lounge / year | 0 | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 18 | 18 |
| Min income / month | ₹35,000 | ₹20,000 |
| Min CIBIL | 720 | 700Best |
| Invite only | ||
| Rows won | 03of 10 | 07of 10 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | HSBC Live+ Credit Card | Adani One ICICI Bank Platinum Credit Card |
|---|---|---|
| CardCheck Score | 74/100Very Good | 74/100Very Good |
| Annual Fee | ₹999 | ₹750 |
| Fee Waiver Spend | ₹2L/yr | ₹1L/yr |
| Max Reward Potential | 10% | 3% |
| Domestic Lounge Access | 1 / quarter | 2 / quarter |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose HSBC Live+ Credit Card if:
Your spending centers around food delivery & dining — 10% cashback on swiggy, zomato & restaurants and you want direct partner rewards with HSBC Bank.
Choose Adani One ICICI Bank Platinum Credit Card if:
Your spending aligns with adani one travel bookings — flights, hotels & adani properties and you prioritize ICICI Bank's redemption benefits.
Frequently asked questions: HSBC Live+ Credit Card vs Adani One ICICI Bank Platinum Credit Card
- Which is better: HSBC Live+ Credit Card or Adani One ICICI Bank Platinum Credit Card?
- Both HSBC Live+ Credit Card and Adani One ICICI Bank Platinum Credit Card tie with an identical CardCheck Score of 74/100 (Very Good). Your choice should depend on specific category preferences and whether you prefer HSBC Bank's or ICICI Bank's merchant partnerships.
- How do annual fees and fee waiver spend rules compare?
- HSBC Live+ Credit Card charges an annual fee of ₹999 with an annual spend threshold of ₹2 Lakh for renewal fee waiver. In comparison, Adani One ICICI Bank Platinum Credit Card charges an annual fee of ₹750 with an annual spend threshold of ₹1 Lakh.
- How do the reward rates and cashback compare between HSBC Live+ Credit Card and Adani One ICICI Bank Platinum Credit Card?
- HSBC Live+ Credit Card offers a base reward rate of 1.5% and up to 10% on accelerated partner categories. Meanwhile, Adani One ICICI Bank Platinum Credit Card offers a base rate of 0.5% and up to 3% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: HSBC Live+ Credit Card or Adani One ICICI Bank Platinum Credit Card?
- HSBC Live+ Credit Card provides 1 domestic lounge visit(s) per quarter. On the other hand, Adani One ICICI Bank Platinum Credit Card provides 2 domestic lounge visit(s) per quarter. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- HSBC Live+ Credit Card levies a foreign currency markup fee of 3.5%, while Adani One ICICI Bank Platinum Credit Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).