AU Zenith+ vs HSBC Cashback Card
Side-by-side credit card comparison to help you choose the best one.
AU Zenith+
Why this card wins: Premium Lifestyle — 4.5% value back on select categories
| Feature | ||
|---|---|---|
| Bank | AU Small Finance Bank | HSBC India |
| Card Type | Super Premium | Cashback |
| Annual Fee | ₹7,999 + GST | ₹750 + GST |
| Joining Fee | ₹7,999 + GST | ₹750 + GST |
| Rewards | 4.5% value back on select categories | 1.5% unlimited cashback on all spends |
| Best For | Premium Lifestyle | Pure Cashback |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹2,00,000 - ₹10,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | ₹2,000 voucher on first ₹10,000 spend | ₹750 cashback on first ₹7,500 spend |
| Min Income | ₹50,000/month | ₹25,000/month |
| Lounge Access | 8 domestic + 4 international per year | 2 domestic per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 2.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.4 | 4.4 |
| Contactless | ||
| EMI Conversion |
Key Features
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
HSBC Cashback Card
Pure Cashback
Visa • Cashback
- No merchant category restrictions
- Cashback auto-credited to statement
- Global acceptance — accepted in 200+ countries
- Fee waiver on ₹1L annual spend
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.
Frequently asked questions
Which is better: AU Zenith+ or HSBC Cashback Card?
AU Zenith+ has the higher CardKhoj rating (4.4/5) and is best for premium lifestyle. HSBC Cashback Card is the better fit if your priority is pure cashback. The right choice depends on where you spend most.
Which has the lower annual fee: AU Zenith+ and HSBC Cashback Card?
HSBC Cashback Card is cheaper to hold at ₹750 + GST, compared with ₹7,999 + GST for AU Zenith+.
Do AU Zenith+ and HSBC Cashback Card offer airport lounge access?
AU Zenith+: 8 domestic + 4 international per year. HSBC Cashback Card: 2 domestic per year.
Which card is better for international spending?
AU Zenith+ has the lowest forex markup at 2.5% + GST, which makes it cheaper for travel abroad and foreign-currency shopping.
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