AU Zenith+ vs HSBC Cashback Card vs ICICI Platinum Chip
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+ | HSBC Cashback Card | ICICI Platinum Chip |
|---|---|---|---|
| Bank | AU Small Finance Bank | HSBC India | ICICI Bank |
| Card Type | Super Premium | Cashback | Entry Level |
| Annual Fee | ₹7,999 + GST | ₹750 + GST | ₹199 + GST |
| Joining Fee | ₹7,999 + GST | ₹750 + GST | ₹199 + GST |
| Rewards | 4.5% value back on select categories | 1.5% unlimited cashback on all spends | 2 PAYBACK points per ₹100 on all spends |
| Best For | Premium Lifestyle | Pure Cashback | Budget Users |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) | 3.40% per month (40.80% p.a.) |
| Credit Limit | ₹2,00,000 - ₹10,00,000 | ₹50,000 - ₹5,00,000 | ₹15,000 - ₹1,50,000 |
| Welcome Benefit | ₹2,000 voucher on first ₹10,000 spend | ₹750 cashback on first ₹7,500 spend | None |
| Min Income | ₹50,000/month | ₹25,000/month | ₹12,000/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 | 3.9 |
| 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
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
ICICI Platinum Chip
Budget Users
Visa • Entry Level
- Lowest annual fee ICICI card
- Fuel surcharge waiver
- Contactless payments enabled
- Easy upgrade path to Coral/Sapphiro
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.