Axis Bank Airtel vs HSBC Smart Value
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Axis Bank
Airtel
HSBC
Smart Value
| Detail | Axis Bank Airtel | HSBC Smart Value |
|---|---|---|
| Annual fee | ₹500 | ₹0 |
| Joining fee | ₹500 | ₹0 |
| Income requirement | 4 LPA | 4 LPA |
| utilities rewards | 10% | 5% |
| all rewards | 2% | - |
| groceries rewards | - | 5% |
| Lounge access | - | - |
| Benefits | Airtel Benefits, Wynk Music, Shopping Rewards | Cashback, Fuel Surcharge Waiver |
Verdict
Axis Bank Airtel ranks above HSBC Smart Value for utility bills (10.0% effective reward rate vs 5.0% effective reward rate; annual fee ₹500 vs annual fee ₹0). The score nets the annual fee against rewards, so the better pick depends on how much you spend.
Frequently asked questions
- Which has the lower annual fee, Axis Bank Airtel or HSBC Smart Value?
- Axis Bank Airtel charges ₹500 and HSBC Smart Value charges ₹0 per year.
- Which card has the higher reward rate?
- Axis Bank Airtel peaks at about 10.0% and HSBC Smart Value at about 5.0% effective rewards.
- Which card offers more lounge access?
- Axis Bank Airtel lists 0 lounge program(s); HSBC Smart Value lists 0.
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