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AU Zenith+ Credit Card VS HSBC TravelOne Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026

Both AU Zenith+ Credit Card and HSBC TravelOne Credit Card suit travel-focused spenders, but they earn and cost differently. AU Zenith+ Credit Card costs ₹4,999 + GST and earns 2 RP per ₹100 on travel, dining, international; 1 RP per ₹100 on other retail spends. HSBC TravelOne Credit Card costs ₹4,999 + GST and earns 4 reward points for every INR100 spent on flights, travel aggregators, and foreign currency transactions. 2 points on other spends. AU Zenith+ Credit Card also brings 16 complimentary Domestic Airport Lounge accesses annually (max 4 per calendar quarter), while HSBC TravelOne Credit Card counters with 6 complimentary domestic airport lounge visits every year. Weigh the fee against the reward rate above to see which fits your spending pattern better.

AU Zenith+ Credit Card
AU Zenith+ Credit Card
HSBC TravelOne Credit Card
HSBC TravelOne Credit Card

Fees & Charges

Joining Fee₹4,999 + GST
Joining Fee₹4,999 + GST
Renewal Fee₹4,999 + GST
Renewal Fee₹4,999 + GST
Spend Based WaiverAnnual Charges are waived on spending ₹8 Lakh or more in the card anniversary year.
Spend Based WaiverThe annual fee is waived if you spend more than INR8,00,000 a year.
Foreign Transaction Fees0.99% of the transaction amount.
Foreign Transaction Fees3.5%.
Interest Rate (APR)1.99% Per Month or 23.88% Per Annum.
Interest Rate (APR)3.75% per month (45% per annum).

Rewards & Benefits

Welcome BonusLuxury Gift Vouchers worth ₹5,000 from brands like Taj Hotels, Tata Cliq, or Michael Kors, or 5,000 Reward Points.
Welcome BonusINR1,000 cashback, INR3,000 PostCard voucher, 3 months EazyDiner Prime on INR10k spend in 30 days. Plus, 3,000 bonus points on INR1L spend in 90 days.
Rewards RateEarn 2 Reward Points per ₹100 spent on Dining, Travel, and International Transactions; 1 Reward Point per ₹100 on others.
Rewards RateEarn 4 reward points for every INR100 spent on flights, travel aggregators, and foreign currency transactions. 2 points on other spends.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access16 complimentary domestic lounge access per annum (maximum 4 per quarter).
Domestic Lounge Access6 complimentary domestic airport lounge visits every year.
International Lounge Access16 complimentary international lounge access annually with Priority Pass (max 4/quarter).
International Lounge Access4 complimentary international airport lounge visits every year via LoungeKey.
Travel Benefits4 Complimentary Airport Meet & Assist Concierge Services Annually. Taj Epicure Membership on spending ₹12 Lakhs.
Travel BenefitsComplimentary airport lounge visits, chauffeur-driven airport transfers, and discounts on holiday/hotel bookings.
Movie Benefits16 Complimentary Buy-One-Get-One Movie or Event Tickets Annually on BookMyShow (maximum 4 per quarter).
Movie BenefitsBuy 1 movie ticket and get 1 free twice a month with promo code HSBCTOMOV (up to INR200).
Dining BenefitsEarn 2 Reward Points per ₹100 spent on Dining. 25% off on Food and beverages with Taj Epicure Membership.
Dining BenefitsDiscounts on dining with Zomato app (District app by Zomato: up to 10% off with promo code HSBCTODINING).
Golf BenefitsUp to 8 Complimentary Golf Games or Lessons Annually (2 per calendar quarter).
Golf Benefits4 complimentary rounds of golf and 12 complimentary lessons per calendar year.
Fuel Surcharge Waiver1% fuel surcharge waiver up to ₹1,000 per statement cycle.
Fuel Surcharge WaiverMaximum waiver of INR250 per month.

Security & Other

Insurance BenefitsAir Accident Cover – Up to ₹2 Crore, Card Liability Cover – Up to ₹15 Lakhs, Credit Shield – Up to ₹15 Lakhs, Purchase Protection – Up to ₹50,000.
Insurance BenefitsUp to USD20,000 purchase protection every year via Tata AIG through Mastercard.
Cash Advance ChargesNone.
Cash Advance Charges2.5% of the transaction amount (minimum of INR500).
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Zenith+ Credit Card

HSBC TravelOne Credit Card

Who is it for?

The AU Zenith+ Metal Credit Card is AU Small Finance Bank’s most luxurious offering, specifically designed for individuals who frequently travel and engage in high credit card spending. It distinguishes itself with a choice of ₹5,000 luxury gift vouchers or Reward Points as a welcome benefit, a competitive 0.99% forex markup fee, and extensive travel perks including 16 complimentary domestic and international lounge accesses. The card also provides valuable lifestyle benefits such as golf rounds and Buy-One-Get-One movie tickets.

Who is it for?

The HSBC TravelOne Credit Card is a premium, travel-focused card designed for frequent travelers. It offers accelerated reward points on travel and foreign currency transactions, along with extensive airline and hotel transfer partners for instant redemption. Cardholders enjoy complimentary airport lounge access, chauffeur-driven transfers, and various travel discounts. This card is ideal for individuals seeking comprehensive travel privileges and high reward value on their journeys.

Pros

Key benefits and features.

Enjoy a very low foreign currency markup of just 0.99% on all international transactions.

Extensive travel benefits with 16 complimentary domestic and 16 international lounge accesses.

Generous welcome benefits offering luxury gift vouchers worth ₹5,000 or 5,000 Reward Points.

Valuable lifestyle perks include 16 BOGO movie tickets and 8 complimentary golf rounds annually.

Milestone benefits like Taj Epicure Membership and bonus Reward Points enhance value.

Pros

Key benefits and features.

No exclusions for INR12 lakh milestone benefit, allowing insurance and bill payments to contribute.

Extensive network of hotel and airline partners available for Reward Point transfers.

Offers instant reward redemptions, providing immediate value and flexibility to cardholders.

Cons

Key drawbacks and limitations.

The annual fee of ₹4,999 + GST is relatively high, despite the spend-based waiver.

Reward points are not earned on essential categories like fuel, cash advances, and EMI spends.

A rewards redemption fee of ₹99 + GST is charged for each redemption transaction.

Quarterly caps on lounge access and movie tickets might limit usage for some users.

Some benefits of the AU Zenith+ Credit Card have experienced devaluations over time.

Cons

Key drawbacks and limitations.

The INR3,000 PostCard voucher welcome benefit has limited applicability to specific hotels.

High 3.5% foreign currency markup significantly reduces the value of international spend rewards.

Accelerated reward point earnings are capped monthly, limiting benefits for high-spending users.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for AU Zenith+ Credit Card(opens in new tab)Apply for HSBC TravelOne Credit Card(opens in new tab)