3 pts / ₹100
Limited data Pairwise comparison
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AU Small Finance Bank Zenith+ vs Axis Bank Horizon Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the AU Small Finance Bank Zenith+ and the Axis Bank Horizon. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictHead-to-head
Three core metrics- Annual fee Horizon saves ₹1,999/yrZenith+ ₹4,999 Waivable at ₹8,00,000 spendHorizon ₹3,000 Annual-fee waiver not offered
- Forex markup Zenith+ saves ~₹2,510 per ₹1L abroadZenith+ 0.99%Horizon 3.5%
- Domestic lounge Horizon: +24 lounge visits/yrZenith+ 8/year (2 per quarter)Horizon 32/year (8 per quarter)
Reward earning explained
Per card2 EDGE Miles / ₹100 · 5 EDGE Miles/₹100 on eligible airline and axis Travel Edge
Strong dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (AU Small Finance Bank Zenith+: ₹4,999 vs Axis Bank Horizon: ₹3,000), forex markup (0.99% vs 3.5%), or lounge access (8/year (2 per quarter) vs 32/year (8 per 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 0.99%.
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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 0.99%.
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Lounge access Axis Bank Horizon wins Axis Bank Horizon is better for lounge access
Axis Bank Horizon is stronger here. Axis Bank Horizon offers 32 domestic lounge visits per year versus 8.
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Rewards Insufficient data Insufficient data to compare rewards
Available evidence is incomplete: AU Small Finance Bank Zenith+ is not safely INR-comparable (no usable point value). Axis Bank Horizon conservative base value ~2% per ₹100.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Horizon: ~₹1,000/month at base rate
- AU Zenith+: Base earn not clearly specified
Illustrative only, using current base rates before caps.
| Field | Zenith+ AU Small Finance Bank | Horizon Axis Bank |
|---|---|---|
| Insurance — Lost card liability cover Only available for Horizon | Not specified | ₹10 lakh |
| Insurance — Underwriter Only available for Horizon | Not specified | Insured by The New India Assurance Co. Ltd |
| Lounge Access | ||
| Domestic lounge visits 8/year (2 per quarter) vs 32/year (8 per quarter) | 8/year (2 per quarter) | 32/year (8 per quarter) |
| International lounge visits | 2 per quarter | 2 per quarter |
| Forex / International Use | ||
| Forex markup 0.99% vs 3.5% | 0.99% | 3.5% |
| Fees | ||
| Recurring annual fee ₹4,999 vs ₹3,000 | ₹4,999 | ₹3,000 |
| Annual-fee waiver ₹8,00,000 vs Not offered | ₹8,00,000 | Not offered |
| Monthly interest rate Only available for AU Zenith+ | 1.99% / month | Not specified |
| Fuel benefit Surcharge waiver available · ₹400–₹5,000 transactions · ₹1,000/month waiver cap vs 1% surcharge waiver · ₹400–₹5,000 transactions · ₹400/month waiver cap · Fuel rewards excluded | Surcharge waiver available · ₹400–₹5,000 transactions · ₹1,000/month waiver cap | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹400/month waiver cap · Fuel rewards excluded |
| Rewards | ||
| Points per ₹100 3 pts / ₹100 vs 2 EDGE Miles / ₹100 | 3 pts / ₹100 | 2 EDGE Miles / ₹100 |
| Conservative base value Not safely INR-comparable vs ~2% | Not safely INR-comparable | ~2% |
| Earn ceiling | Not stated | Not stated |
| Point value (headline channel) Issuer headline rate at the travel/SmartBuy channel — not the lowest redemption option. Only available for Horizon | Not specified | ₹1 |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
AU Small Finance Bank Zenith+
Verify with issuer , opens external siteAxis Bank Horizon
Verify with issuer , opens external site