AU Zenith+ vs HSBC Smart Value vs Canara RuPay Select
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 Smart Value | Canara RuPay Select |
|---|---|---|---|
| Bank | AU Small Finance Bank | HSBC India | Canara Bank |
| Card Type | Super Premium | Cashback | Entry Level |
| Annual Fee | ₹7,999 + GST | Lifetime Free | ₹500 + GST |
| Joining Fee | ₹7,999 + GST | Nil | ₹500 + GST |
| Rewards | 4.5% value back on select categories | 5% cashback on Swiggy, BigBasket, Amazon | 1 reward point per ₹100 spent |
| Best For | Premium Lifestyle | Online Shopping | Budget Users |
| 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 - ₹3,00,000 | ₹25,000 - ₹2,00,000 |
| Welcome Benefit | ₹2,000 voucher on first ₹10,000 spend | None | None |
| Min Income | ₹50,000/month | ₹20,000/month | ₹12,000/month |
| Lounge Access | 8 domestic + 4 international per year | None | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹4,000 txns |
| Foreign Txn Fee | 2.5% + GST | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free | Free |
| Rating | 4.4 | 4.2 | 3.8 |
| 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 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
Canara RuPay Select
Budget Users
RuPay • Entry Level
- RuPay UPI linkage supported
- Fuel surcharge waiver up to ₹100/month
- Personal accident insurance ₹5 Lakh
- Easy EMI conversion available
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.