- Annual fee ₹5,000
- Forex markup 3.5%
- Domestic lounge 2/quarter Conditional · Domestic: 2/quarter · requires ₹2 spend in the calendar quarter
Pairwise comparison
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American Express Platinum Travel vs AU Small Finance Bank Zenith Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the American Express Platinum Travel 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
Quick comparison
Three core metrics- Annual fee ₹7,999 Waivable at ₹5,00,000 spend
- Forex markup 1.99%
- Domestic lounge 2/quarter Conditional · Domestic: 2/quarter · requires ₹20,000 spend in the calendar quarter
Reward earning explained
Per card3 pts / ₹150 on General spend
5 pts / ₹100 on Dining (5 RP/₹100 on dining, international, grocery, department…
Pick based on what matters
3 dimensionsStart with the constraint you care about most: annual fee (American Express Platinum Travel: ₹5,000 vs AU Small Finance Bank Zenith: ₹7,999), forex markup (3.5% vs 1.99%), or lounge access (2/quarter vs 2/quarter).
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Travel Insufficient data Insufficient data to compare travel
Only AU Small Finance Bank Zenith has comparable evidence here. Forex markup is 1.99%.
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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 1.99%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is 2 per quarter.
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Example usage at this monthly spend
At ₹50k/month spend:
- American Express Platinum Travel: ~₹400/month at base rate
- AU Zenith: Base earn not clearly specified
Illustrative only, using current base rates before caps.
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| Field | Platinum Travel American Express | Zenith AU Small Finance Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits | 2/quarter | 2/quarter |
| International lounge visits 0/year vs 16/year | 0/year | 16/year |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 3.5% vs 1.99% | 3.5% | 1.99% |
| Fees | ||
| Annual fee ₹5,000 vs ₹7,999 | ₹5,000 | ₹7,999 |
| Joining fee ₹5,000 vs ₹7,999 | ₹5,000 | ₹7,999 |
| Fee waiver spend Only available for AU Zenith | Not specified | ₹5,00,000 |
| Interest-free period Up to 48 days vs Up to 50 days | Up to 48 days | Up to 50 days |
| Rewards | ||
| Reward points (base spend) 3 pts/₹150 vs 3 pts/₹100 | 3 pts/₹150 | 3 pts/₹100 |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for American Express Platinum Travel | ₹0.4 | Not specified |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.