Which card has a lower forex fee: HSBC Live+ Credit Card or ICICI Bank Coral RuPay Credit Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: HSBC Live+ Credit Card or ICICI Bank Coral RuPay Credit Card?

ICICI Bank Coral RuPay Credit Card has a lower annual fee (₹500 vs ₹999).

Which card offers better lounge access?

HSBC Live+ Credit Card: 1 per quarter domestic lounge. ICICI Bank Coral RuPay Credit Card: 1 per quarter domestic lounge.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

HSBC India Live+ vs ICICI Bank Coral RuPay Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the HSBC India Live+ and the ICICI Bank Coral RuPay. Verify fees, lounge access, forex markup, and base rewards before you apply.

upi ICICI Bank Coral RuPay

Quick comparison

Three core metrics

Live+ HSBC India

Annual fee ₹999 Waivable at ₹2,00,000 spend
Forex markup 3.5%
Domestic lounge 1/quarter

Coral RuPay ICICI Bank

Annual fee ₹500 Waivable at ₹1,50,000 spend
Forex markup 3.5%
Domestic lounge 1/quarter Conditional · Domestic: 1/quarter · requires ₹75,000 spend in the previous calendar quarter

Reward earning explained

Per card

Live+

10% on Dining (domestic) (10% accelerated cashback on dining, food delivery and…

Coral RuPay

2 pts / ₹100 on General spend + 1 pt / ₹100 on Utility Insurance

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (HSBC India Live+: ₹999 vs ICICI Bank Coral RuPay: ₹500), forex markup (3.5% vs 3.5%), or lounge access (1/quarter vs 1/quarter).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 1 per quarter.
upi ICICI Bank Coral RuPay wins

ICICI Bank Coral RuPay is better for UPI usage

ICICI Bank Coral RuPay is stronger here. Supports UPI via RuPay network.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

HSBC Live+: ~₹750/month at base rate
Coral RuPay: ~₹250/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Live+ HSBC India	Coral RuPay ICICI Bank
Lounge Access
Domestic lounge visits	1/quarter	1/quarter
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹999 vs ₹500	₹999	₹500
Joining fee ₹999 vs ₹500	₹999	₹500
Fee waiver spend ₹2,00,000 vs ₹1,50,000	₹2,00,000	₹1,50,000
Interest-free period Only available for Coral RuPay	Not specified	Up to 48 days
Rewards
Points per ₹100 1.5% vs 2 pts	1.5%	2 pts
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Coral RuPay	Not specified	₹0.25

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.