AU ixigo Credit Card
Rs 0Annual fee
8Domestic lounge
Domestic lounge conditions
- Complimentary domestic airport lounge access requires a minimum spend of Rs 50,000 in the preceding calendar quarter to unlock 2 visits in the subsequent quarter.
- 2 complimentary railway lounge visits per calendar quarter (no spend threshold)
- 2 complimentary railway lounge visits per calendar quarter (no spend threshold)
- Priority Pass membership can be requested from credit card support; access charges apply for domestic lounges, guest visits, or exceeding the 1 complimentary international visit per year.
0%Forex markup
Best for
travel, rail, forex
Top rewards
Online spends: 10 reward points per Rs 200; Offline spends: 5 reward points per Rs 200; UPI transactions on RuPay: 5 reward points per Rs 200
HSBC Premier Credit Card
Rs 20,000Annual fee
UnlimitedDomestic lounge
Domestic lounge conditions
- Unlimited complimentary domestic airport lounge access for primary and add-on cardholders.
- Unlimited complimentary international airport lounge access for primary and add-on cardholders.
- 8 complimentary international guest lounge visits per calendar year.
0.99%Forex markup
Best for
premier, travel, lounge, forex, premium
Top rewards
Hotels via HSBC: Up to 36 Reward Points / Rs 100; Flights via HSBC: Up to 18 Reward Points / Rs 100; Car rentals via HSBC: Up to 6 Reward Points / Rs 100
| Feature | AU ixigo Credit Card | HSBC Premier Credit Card |
|---|---|---|
| Issuer | AU Small Finance Bank | HSBC Bank |
| Network | Visa, RuPay | Mastercard |
| Joining fee | Rs 0 | Rs 12,000 |
| Annual fee | Rs 0 | Rs 20,000 |
| Reward type | reward points | reward points |
| Best for | travel, rail, forex | premier, travel, lounge, forex, premium |
| Top reward categories | Online spends: 10 reward points per Rs 200; Offline spends: 5 reward points per Rs 200; UPI transactions on RuPay: 5 reward points per Rs 200 | Hotels via HSBC: Up to 36 Reward Points / Rs 100; Flights via HSBC: Up to 18 Reward Points / Rs 100; Car rentals via HSBC: Up to 6 Reward Points / Rs 100 |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 8 | Unlimited |
| International lounge | 1 | Unlimited |
| Forex markup | 0% | 0.99% |
| Milestone benefits | Earn 5,000 bonus Reward Points (worth up to Rs 2,500) on spending Rs 75,000 or more per calendar quarter | Annual renewal fee waived for qualified HSBC Premier customers meeting the Premier relationship criteria. |
| Redemption | Statement credit: upto Rs 0.25 per point | Air miles: upto Rs 1 per point |
| Key exclusions | fuel spends, rental payments, wallet loading and top-up transactions, educational services and school fees, government services, international transactions | Fuel transactions, Cash advances, Card fees, charges, interest, and disputed transactions |