Side-by-side · honest numbers
AU Zenith Credit Card vs Axis Bank Atlas Credit Card vs HSBC TravelOne Credit Card
Honest side-by-side comparison of AU Zenith Credit Card, Axis Bank Atlas 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 Atlas Credit Card ranks first for estimated net annual value — ahead of HSBC TravelOne Credit Card by about ₹11,351/yr.
| Feature | AU Zenith Credit Card AU Small Finance Bank | Axis Bank Atlas Credit Card Axis Bank | HSBC TravelOne Credit Card HSBC |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹7,999 | ₹5,000 | ₹4,999 |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend | ₹12,00,000/yr |
| Min income | ₹75,000/mo | ₹50,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹6,737/yr | ₹6,802/yr | -₹4,549/yr |
| Travel | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | 5 pts per ₹150 spend → ₹67/mo (₹800/yr) | 3 pts per ₹150 spend → ₹25/mo (₹300/yr) |
| Top reward rate | 3X points/₹150 | 5 EDGE Miles/₹150 | 3X points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic lounge access · Premium AU tier — no spend milestone stated for lounge in public benefits | Up to 18 domestic + 12 international visits/year · Visit count scales with annual card spend tiers — check Axis Atlas milestones | 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 | EMI · Fuel · Rent · Wallet · Insurance |
| Bonuses | |||
| Signup bonus | — | ₹5,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- HSBC TravelOne Credit Card has the lowest annual fee at ₹4,999.
- Which card earns more on moderate spend?
- Axis Bank Atlas Credit Card leads with an estimated ₹6,802/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Axis Bank Atlas Credit Card lists a minimum monthly income of ₹50,000.
- 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 Zenith Credit Card
AU Small Finance Bank
Axis Bank Atlas Credit Card
Axis Bank
HSBC TravelOne Credit Card
HSBC
Your adjusted comparison
| Feature | AU Small Finance BankPlatinum AU Zenith Credit Card •••• •••• •••• 4242 Quick facts AU Zenith Credit Card Top reward3X points/₹150 Annual fee₹7,999 Min income₹75,000/mo Tap to flip back AU Zenith Credit Card AU Small Finance Bank | Axis BankPlatinum Axis Bank Atlas Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Atlas Credit Card Top reward5 EDGE Miles/₹150 Annual fee₹5,000 Min income₹50,000/mo Tap to flip back Axis Bank Atlas 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 | ₹7,999 | ₹5,000 | ₹4,999 |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend | ₹12,00,000/yr |
| Min income | ₹75,000/mo | ₹50,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹6,737/yr | ₹6,802/yr | -₹4,549/yr |
| Travel | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | 5 pts per ₹150 spend → ₹67/mo (₹800/yr) | 3 pts per ₹150 spend → ₹25/mo (₹300/yr) |
| Top reward rate | 3X points/₹150 | 5 EDGE Miles/₹150 | 3X points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic lounge access · Premium AU tier — no spend milestone stated for lounge in public benefits | Up to 18 domestic + 12 international visits/year · Visit count scales with annual card spend tiers — check Axis Atlas milestones | 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 | EMI · Fuel · Rent · Wallet · Insurance |
| Bonuses | |||
| Signup bonus | — | ₹5,000 | — |
AU Zenith Credit Card details →Axis Bank Atlas Credit Card details →HSBC TravelOne Credit Card details →
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