AU Zenith+ vs BoB Select vs HSBC Smart Value
Side-by-side credit card comparison to help you choose the best one.
Our Pick
AU Zenith+
4.4
Why this card wins: Premium Lifestyle — 4.5% value back on select categories
| Feature | AU Zenith+ | BoB Select | HSBC Smart Value |
|---|---|---|---|
| Bank | AU Small Finance Bank | Bank of Baroda | HSBC India |
| Card Type | Super Premium | Entry Level | Cashback |
| Annual Fee | ₹7,999 + GST | ₹499 + GST | Lifetime Free |
| Joining Fee | ₹7,999 + GST | ₹499 + GST | Nil |
| Rewards | 4.5% value back on select categories | 2 reward points per ₹100 spent | 5% cashback on Swiggy, BigBasket, Amazon |
| Best For | Premium Lifestyle | Everyday Spending | Online Shopping |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹2,00,000 - ₹10,00,000 | ₹25,000 - ₹2,00,000 | ₹25,000 - ₹3,00,000 |
| Welcome Benefit | ₹2,000 voucher on first ₹10,000 spend | 500 reward points on first spend | None |
| Min Income | ₹50,000/month | ₹15,000/month | ₹20,000/month |
| Lounge Access | 8 domestic + 4 international per year | 2 domestic per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 2.5% + GST | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free | Free |
| Rating | 4.4 | 4 | 4.2 |
| Contactless | |||
| EMI Conversion |
Key Features
Our Pick
AU Zenith+
Premium Lifestyle
Visa Signature • Super Premium
- Complimentary airport lounge access worldwide
- Travel insurance up to ₹3 Crore
- Concierge services 24/7
- Milestone bonus of ₹10,000 voucher on ₹5L spend
BoB Select
Everyday Spending
Visa • Entry Level
- Annual fee waiver on ₹75,000 spend
- 2% cashback on utility bill payments
- Fuel surcharge waiver
- Easy EMI conversion facility
HSBC Smart Value
Online Shopping
Mastercard • Cashback
- No annual fee ever
- 5% cashback on top online platforms
- 1% cashback on all other spends
- Smart EMI on purchases above ₹2,500
Verdict
Based on rating and overall value, AU Zenith+ ranks highest among your selected cards. It excels at Premium Lifestyle and offers 4.5% value back on select categories.