AU Zenith+ Credit Card VS HSBC TravelOne Credit Card VS SBI Card Miles Elite
Comparing 3 cards side by side: AU Zenith+ Credit Card, HSBC TravelOne Credit Card, SBI Card Miles Elite. 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. SBI Card Miles Elite costs ₹4,999 + GST and earns 6 Travel Credits for every ₹200 spent on travel & 2 Travel Credits for every ₹200 on other spends. Compare the fee and reward differences above against your priority spend category — travel, dining, shopping, or fuel — to pick the right fit.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
AU Zenith+ Credit Card
HSBC TravelOne Credit Card
SBI Card Miles Elite
Who is it for?
Who is it for?
Who is it for?
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.
Pros
Key benefits and features.
Substantial welcome bonus of 5,000 Travel Credits on initial spends.
Extensive complimentary domestic and international airport lounge access.
Low foreign currency markup of 1.99% makes international spends economical.
Comprehensive travel insurance covers flight cancellations and baggage issues.
Available on RuPay network, enabling seamless UPI payments for convenience.
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.
Cons
Key drawbacks and limitations.
Reward earning rate on general spends is not highly competitive compared to peers.
Lacks specific additional benefits for popular categories like movies or dining.
High joining and renewal fees of Rs. 4,999 + taxes may deter some users.
Travel Credits have varying redemption values, which can be confusing for users.
Complimentary Priority Pass membership is only valid for the first two years.