Which card has a lower forex fee: American Express Membership Rewards Credit Card or AU Zenith+ Credit Card?

AU Zenith+ Credit Card has lower forex markup (0.99% vs 3.5%).

Which card has a lower annual fee: American Express Membership Rewards Credit Card or AU Zenith+ Credit Card?

American Express Membership Rewards Credit Card has a lower annual fee (₹4,500 vs ₹4,999).

Which card offers better lounge access?

American Express Membership Rewards Credit Card: No complimentary lounge access. AU Zenith+ Credit Card: 2 per quarter domestic lounge.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

American Express Membership Rewards vs AU Small Finance Bank Zenith+ Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the American Express Membership Rewards and the AU Small Finance Bank Zenith+. Verify fees, lounge access, forex markup, and base rewards before you apply.

Forex AU Small Finance Bank Zenith+ Lounge AU Small Finance Bank Zenith+

Quick comparison

Three core metrics

Membership Rewards American Express

Annual fee ₹4,500 Waivable at ₹1,50,000 spend
Forex markup 3.5%
Domestic lounge No complimentary lounge access

Zenith+ AU Small Finance Bank

Annual fee ₹4,999 Waivable at ₹8,00,000 spend
Forex markup 0.99%
Domestic lounge 2/quarter

Reward earning explained

Per card

Membership Rewards

2 pts / ₹100 on General spend (Earn 1 Membership Rewards Point per ₹50 except f…

Limited data

Zenith+

3 pts / ₹100 on General spend

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (American Express Membership Rewards: ₹4,500 vs AU Small Finance Bank Zenith+: ₹4,999), forex markup (3.5% vs 0.99%), or lounge access (No complimentary lounge access vs 2/quarter).

Travel Insufficient data

Insufficient data to compare travel

Only AU Small Finance Bank Zenith+ has comparable evidence here. Forex markup is 0.99%.

Membership Rewards: Limited data Zenith+: Limited data
Forex markup AU Small Finance Bank Zenith+ wins

AU Small Finance Bank Zenith+ is better for forex

AU Small Finance Bank Zenith+ is stronger here. Forex markup is 0.99%.
Lounge access AU Small Finance Bank Zenith+ wins

AU Small Finance Bank Zenith+ is better for lounge access

AU Small Finance Bank Zenith+ is stronger here. Domestic lounge access is 2 per quarter.
Rewards Insufficient data

Insufficient data to compare rewards

Only AU Small Finance Bank Zenith+ has comparable evidence here. Base earn is 3 pts per ₹100.

Membership Rewards: Limited data

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

American Express Membership Rewards: ~₹330/month at base rate
AU Zenith+: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Membership Rewards American Express	Zenith+ AU Small Finance Bank
Lounge Access
Domestic lounge visits No complimentary lounge access vs 2/quarter	No complimentary lounge access	2/quarter
International lounge visits Only available for AU Zenith+	Not specified	8/year
Forex / International Use
Forex markup Source agreement differs — verify both. 3.5% vs 0.99%	3.5%	0.99%
Fees
Annual fee ₹4,500 vs ₹4,999	₹4,500	₹4,999
Joining fee ₹1,000 vs ₹4,999	₹1,000	₹4,999
Fee waiver spend ₹1,50,000 vs ₹8,00,000	₹1,50,000	₹8,00,000
Interest-free period Up to 48 days vs Up to 50 days	Up to 48 days	Up to 50 days
Rewards
Points per ₹100 2 pts vs 3 pts	2 pts	3 pts
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for American Express Membership Rewards	₹0.333	Not specified

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.