- Annual fee ₹4,999 Waivable at ₹8,00,000 spend
- Forex markup 0.99%
- Domestic lounge 2/quarter
Pairwise comparison
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AU Small Finance Bank Zenith+ vs HSBC India TravelOne Visa Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the AU Small Finance Bank Zenith+ and the HSBC India TravelOne Visa. Verify fees, lounge access, forex markup, and base rewards before you apply.
Forex AU Small Finance Bank Zenith+ Lounge AU Small Finance Bank Zenith+
Quick comparison
Three core metrics- Annual fee ₹4,999 Waivable at ₹8,00,000 spend
- Forex markup 3.5%
- Domestic lounge 6/year
Reward earning explained
Per card3 pts / ₹100 on General spend
4 pts / ₹100 on Travel Airlines Foreign (international) + 2 pts / ₹100 on Gener…
Limited dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (AU Small Finance Bank Zenith+: ₹4,999 vs HSBC India TravelOne Visa: ₹4,999), forex markup (0.99% vs 3.5%), or lounge access (2/quarter vs 6/year).
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Travel Insufficient data Insufficient data to compare travel
Only AU Small Finance Bank Zenith+ has comparable evidence here. Forex markup is 0.99%.
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Forex markup AU Small Finance Bank Zenith+ wins AU Small Finance Bank Zenith+ is better for forex
AU Small Finance Bank Zenith+ is stronger here. Forex markup is 0.99%.
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Lounge access AU Small Finance Bank Zenith+ wins AU Small Finance Bank Zenith+ is better for lounge access
AU Small Finance Bank Zenith+ is stronger here. Domestic lounge access is 2 per quarter.
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Rewards Insufficient data Insufficient data to compare rewards
Only AU Small Finance Bank Zenith+ has comparable evidence here. Base earn is 3 pts per ₹100.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- AU Zenith+: Base earn not clearly specified
- HSBC TravelOne: Base earn not clearly specified
Illustrative only, using current base rates before caps.
Swipe for all fields
| Field | Zenith+ AU Small Finance Bank | TravelOne Visa HSBC India |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits 2/quarter vs 6/year | 2/quarter | 6/year |
| International lounge visits 8/year vs 4/year | 8/year | 4/year |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 0.99% vs 3.5% | 0.99% | 3.5% |
| Fees | ||
| Annual fee | ₹4,999 | ₹4,999 |
| Joining fee | ₹4,999 | ₹4,999 |
| Fee waiver spend | ₹8,00,000 | ₹8,00,000 |
| Interest-free period Only available for AU Zenith+ | Up to 50 days | Not specified |
| Rewards | ||
| Points per ₹100 3 pts vs 2 pts | 3 pts | 2 pts |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.