AU ABC Pro vs HSBC Platinum
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
AU ABC Pro Credit Card wins 6 of 8 dimensions with a CardTrail Score of 8.5/10 vs 6.2/10.
| Feature | AU ABC Pro | HSBC Platinum |
|---|---|---|
| CardTrail Score | 8.5/10 | 6.2/10 |
| Annual Fee | ₹999 | Free |
| Base Reward Rate | 2% | 0.5% |
| Max Reward Rate | 5% | 2% |
| Forex Markup | 1.99% | 3.5% |
| Domestic Lounges | 2 | 0 |
| International Lounges | 1 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose AU ABC Pro
- You can meet the fee waiver condition: Spend Rs 1.5L/year
- You travel internationally — saves ₹1,510/year on ₹1L forex spend
- You want higher rewards — up to 5% vs 2%
- Airport lounge access matters — 2 domestic visits
When to Choose HSBC Platinum
- You want a lifetime free card with zero annual cost
- Your primary spend is: dining, general
Forex Cost Comparison
On ₹1,00,000 annual international spending: AU ABC Pro costs ₹2,348 in forex fees vs HSBC Platinum at ₹4,130. You save ₹1,782/year with AU ABC Pro.
Annual Fee Value Analysis
To break even on AU ABC Pro's ₹999 fee at 2% rewards, spend ₹4,163/month.
HSBC Platinum is lifetime free — no break-even needed.