Side-by-side · honest numbers
AU Altura Credit Card vs Axis Bank Magnus Credit Card vs HSBC TravelOne Credit Card
Honest side-by-side comparison of AU Altura Credit Card, Axis Bank Magnus Credit Card, HSBC TravelOne Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, Axis Bank Magnus Credit Card ranks first for estimated net annual value — ahead of AU Altura Credit Card by about ₹15,332/yr.
| Feature | AU Altura Credit Card AU Small Finance Bank | Axis Bank Magnus Credit Card Axis Bank | HSBC TravelOne Credit Card HSBC |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹12,500 | ₹4,999 |
| Fee waiver threshold | Lifetime free | No waiver published | ₹12,00,000/yr |
| Min income | ₹15,000/mo | ₹1,00,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,920/yr | ₹17,252/yr | -₹4,549/yr |
| Travel | — | 12 pts per ₹200 spend → ₹120/mo (₹1,440/yr) | 3 pts per ₹150 spend → ₹25/mo (₹300/yr) |
| Utilities & bills | 2% cashback → ₹80/mo (₹960/yr) | — | — |
| Top reward rate | 2% cashback | 12 Edge Miles/₹200 | 3X points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic + 8 international/year · ₹50,000 spend in previous 3 calendar months for domestic lounge (waived first 3 months on new issuance) | Complimentary domestic lounge access · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet · Jewellery | EMI · Fuel · Rent · Wallet · Insurance |
| Bonuses | |||
| Signup bonus | — | ₹25,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- AU Altura Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- Axis Bank Magnus Credit Card leads with an estimated ₹17,252/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- AU Altura Credit Card lists a minimum monthly income of ₹15,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
AU Altura Credit Card
AU Small Finance Bank
Axis Bank Magnus Credit Card
Axis Bank
HSBC TravelOne Credit Card
HSBC
Your adjusted comparison
| Feature | AU Small Finance BankClassic AU Altura Credit Card •••• •••• •••• 4242 Quick facts AU Altura Credit Card Top reward2% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back AU Altura Credit Card AU Small Finance Bank | Axis BankMetal Axis Bank Magnus Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Magnus Credit Card Top reward12 Edge Miles/₹200 Annual fee₹12,500 Min income₹1,00,000/mo Tap to flip back Axis Bank Magnus Credit Card Axis Bank | HSBCPlatinum HSBC TravelOne Credit Card •••• •••• •••• 4242 Quick facts HSBC TravelOne Credit Card Top reward3X points Annual fee₹4,999 Min income₹75,000/mo Tap to flip back HSBC TravelOne Credit Card HSBC |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹12,500 | ₹4,999 |
| Fee waiver threshold | Lifetime free | No waiver published | ₹12,00,000/yr |
| Min income | ₹15,000/mo | ₹1,00,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,920/yr | ₹17,252/yr | -₹4,549/yr |
| Travel | — | 12 pts per ₹200 spend → ₹120/mo (₹1,440/yr) | 3 pts per ₹150 spend → ₹25/mo (₹300/yr) |
| Utilities & bills | 2% cashback → ₹80/mo (₹960/yr) | — | — |
| Top reward rate | 2% cashback | 12 Edge Miles/₹200 | 3X points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic + 8 international/year · ₹50,000 spend in previous 3 calendar months for domestic lounge (waived first 3 months on new issuance) | Complimentary domestic lounge access · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet · Jewellery | EMI · Fuel · Rent · Wallet · Insurance |
| Bonuses | |||
| Signup bonus | — | ₹25,000 | — |
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https://cardhungry.com/in/en/compare/au-altura-vs-axis-magnus-vs-hsbc-traveloneMore AU Altura Credit Card comparisons
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