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

ICICI Bank Coral 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 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 Visa Credit Cards – Fees, Lounge, Forex

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

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 Visa 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…

Limited data

Coral Visa

2 pts / ₹100 on General spend

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 Visa: ₹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.
Rewards Insufficient data

Insufficient data to compare rewards

Only ICICI Bank Coral Visa has comparable evidence here. Base earn is 2 pts per ₹100.

Live+: Limited data

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: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Live+ HSBC India	Coral Visa 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	Not specified	Up to 48 days
Rewards
Points per ₹100 1.5% vs 2 pts	1.5%	2 pts

Notes

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