Both players testifiy in Court case.
Anton Ferdinand has told a court he would have been "very hurt" if he had heard John Terry racially abuse him.
Chelsea and England footballer John Terry is charged with a racially-aggravated public order offence - an allegation he denies.
It relates to a comment allegedly made by the Chelsea captain to the QPR defender when the teams played at Loftus Road last October.
The trial, set to last five days, is at Westminster Magistrates' Court.
If found guilty, the maximum sentence Mr Terry could receive is a £2,500 fine.
It is alleged that the Chelsea defender insulted Mr Ferdinand by calling him black with the use of extreme sexual swear words.
Mr Ferdinand told the court that initially he did not think any racist terms had been used.
But after the match, his girlfriend at the time played him a YouTube clip and he changed his mind.
The QPR defender told the court that if he had realised at the time he would have told officials.
"I would have been obviously very hurt and I probably wouldn't have reacted at the time because, being a professional, you can't do that.
"I probably would have let the officials know what happened and dealt with it after the game," he said.
"When someone brings your colour into it, it takes it to another level and it's very hurtful."
John Terry has said he was "very angry and upset" at being accused of racism. He said that, as the pair traded insults, he thought he heard Mr Ferdinand say he had been sworn at in racial terms.
The former England captain says he was merely repeating this.
The 31-year-old former England captain denies a racially-aggravated public order offence.
Mr Terry said he had not considered apologising to Mr Ferdinand because the QPR player had accused him.
"Why would I apologise to Anton when he is the one who accused me? What I said was in response to what Anton said to me," he said.
Earlier, the magistrate presiding over the trial rejected a call for the case to be thrown out.
After the conclusion of the prosecution argument, Mr Terry's legal team asked for the case to be dismissed.
But chief magistrate Howard Riddle decided there was a case to answer and the hearing would continue.