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AU Zenith+ Credit Card VS HSBC TravelOne Credit Card VS SBI Card Miles Elite

A detailed, side-by-side look at 3 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

AU Zenith+ Credit Card
AU Zenith+ Credit Card
HSBC TravelOne Credit Card
HSBC TravelOne Credit Card
SBI Card Miles Elite
SBI Card Miles Elite

Fees & Charges

Joining Fee
₹4,999 + GST
₹4,999 + GST
₹4,999 + GST
Renewal Fee
₹4,999 + GST
₹4,999 + GST
₹4,999 + GST
Spend Based Waiver
Renewal fee waived on ₹8 Lakhs net retail spends in the previous card anniversary year.
The annual fee is waived if you spend more than INR8,00,000 a year.
Annual fee reversal on annual spends of ₹15 Lakh in a membership year.
Foreign Transaction Fees
Low 0.99% cross-currency foreign markup fee on all international transactions.
3.5%.
1.99% on International usage
Interest Rate (APR)
1.99% per month or 23.88% per annum.
3.75% per month (45% per annum).
3.50% per month (42% per annum)

Rewards & Benefits

Welcome Bonus
Choose between Luxury Brand Vouchers or Reward Points worth ₹5,000 upon card activation.
INR1,000 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.
Get 5,000 Travel Credits upon spending ₹1,00,000 within 60 days of issuance or joining fee payment.
Rewards Rate
Earn 2 RP per ₹100 on travel, dining, international; 1 RP per ₹100 on other retail spends.
Earn 4 reward points for every INR100 spent on flights, travel aggregators, and foreign currency transactions. 2 points on other spends.
Earn 6 Travel Credits for every ₹200 spent on travel & 2 Travel Credits for every ₹200 on other spends.
Reward Type
Reward Points
Reward Points
Travel Credits
Reward Redemption Fee
₹99 + GST.
₹99

Travel & Lifestyle

Domestic Lounge Access
16 complimentary Domestic Airport Lounge accesses annually (max 4 per calendar quarter).
6 complimentary domestic airport lounge visits every year.
8 complimentary visits/year (max 2/quarter) + up to 15 additional visits based on spends.
International Lounge Access
16 complimentary International Airport Lounge accesses annually via Priority Pass (max 4 per quarter).
4 complimentary international airport lounge visits every year via LoungeKey.
Complimentary Priority Pass & 6 visits/year (max 2/quarter) for the first two years.
Travel Benefits
4 complimentary airport Meet & Assist services. Exclusive luxury stay offers with ITC Hotels & Elivaas.
Complimentary airport lounge visits, chauffeur-driven airport transfers, and discounts on holiday/hotel bookings.
Enjoy low 1.99% forex markup, comprehensive travel insurance & flexible Travel Credits redemption.
Movie Benefits
Up to 16 complimentary BOGO movie/event tickets from BookMyShow annually (max 4 per quarter).
Buy 1 movie ticket and get 1 free twice a month with promo code HSBCTOMOV (up to INR200).
Not Applicable
Dining Benefits
Up to 30% discount via Silver Spoon dining program & 25% off F&B with Taj Epicure Membership.
Discounts on dining with Zomato app (District app by Zomato: up to 10% off with promo code HSBCTODINING).
Not Applicable
Golf Benefits
8 complimentary golf games/lessons annually (up to 2 per calendar quarter).
4 complimentary rounds of golf and 12 complimentary lessons per calendar year.
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge waiver up to ₹1,000 per statement cycle on transactions ₹400-₹5000.
Maximum waiver of INR250 per month.
1% waiver for transactions between ₹500-₹4,000, max ₹500/month.

Security & Other

Insurance Benefits
Air Accident Cover (₹2 Cr), Card Liability (₹15 Lakh), Credit Shield (₹15 Lakh), Purchase Protection (₹50k).
Up to USD20,000 purchase protection every year via Tata AIG through Mastercard.
Covers flight cancellations, lost card, air accident, baggage loss/delay & travel documents.
Cash Advance Charges
2.5% of transaction amount or minimum ₹100.
2.5% of the transaction amount (minimum of INR500).
2.5% or ₹500, whichever is higher.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Zenith+ Credit Card

HSBC TravelOne Credit Card

SBI Card Miles Elite

Who is it for?

The AU Zenith+ Metal Credit Card is a premium offering for individuals seeking exclusive lifestyle privileges and tailored rewards. It's ideal for frequent travelers and high spenders, blending opulent benefits with a robust reward structure. Enjoy substantial welcome benefits, accelerated rewards on travel & dining, extensive lounge access, and comprehensive insurance. This card stands out for its luxury experience and value.

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.

Who is it for?

The SBI Card Miles Elite is a premium travel credit card tailored for frequent flyers, offering a rich suite of benefits. It provides extensive complimentary domestic and international lounge access, a low foreign currency markup of 1.99%, and comprehensive travel insurance. Cardholders earn Travel Credits which are flexibly redeemable across a wide network of airline and hotel partners. With attractive welcome and milestone benefits, it's a valuable companion for global journeys and maximizing travel privileges.

Pros

Key benefits and features.

Offers a comprehensive suite of premium features and exclusive privileges across categories.

Generous welcome benefits of luxury brand vouchers or reward points worth ₹5,000.

Accelerated reward earnings on travel, dining, and international transactions provide great value.

Extensive travel benefits including lounge access, Meet & Assist, and low 0.99% forex markup.

Valuable milestone benefits like Taj Epicure Membership and bonus points on monthly spends.

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.

Extensive complimentary lounge access, domestic (8+15) and international (6) annually.

Comprehensive travel insurance covering flight cancellations, baggage, and accidents.

Low foreign currency markup of 1.99% makes international spending cost-effective.

Flexible Travel Credits redemption for airline miles, hotel points, and bookings.

Available on RuPay network, enabling UPI linkage for seamless domestic transactions.

Cons

Key drawbacks and limitations.

Renewal benefits, including 5,000 bonus RP, will be discontinued from Nov 17, 2025.

International lounge access with Priority Pass is chargeable for domestic use within India.

Several important merchant categories like utilities and insurance are not eligible for reward points.

High monthly net income requirement of ₹2.5 Lakhs might limit accessibility for some users.

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.

Base reward earning rate of 2 Travel Credits on general spends is relatively modest.

Absence of specific benefits or discounts for popular categories like movies or dining.

Annual fee of ₹4,999 + GST is high, with a waiver requiring ₹15 Lakh annual spend.

Air Accident Cover will be discontinued from July 15, 2025, reducing a key benefit.

Rewards redemption fee of ₹99 applies, which slightly reduces the overall value.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.