3 pts / ₹100
Limited data Pairwise comparison
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AU Small Finance Bank Zenith+ vs Axis Bank SELECT Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the AU Small Finance Bank Zenith+ and the Axis Bank SELECT. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick Zenith+ for spending abroad.
Head-to-head
Three core metrics- Annual fee SELECT saves ₹1,999/yrZenith+ ₹4,999 Waivable at ₹8,00,000 spendSELECT ₹3,000 Waivable at ₹8,00,000 spend
- Forex markup Zenith+ saves ~₹2,510 per ₹1L abroadZenith+ 0.99%SELECT 3.5%
- Domestic lounge Zenith+ 8/year (2 per quarter)SELECT 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the previous 3 calendar months
Reward earning explained
Per card5 EDGE Reward Points / ₹100
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 SELECT: ₹3,000), forex markup (0.99% vs 3.5%), or lounge access (8/year (2 per quarter) vs 8/year (2 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 Tie Both cards are similar for lounge access
Domestic lounge access is 2 per quarter.
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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 SELECT conservative base value ~1% per ₹100.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- SELECT: ~₹500/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 | SELECT Axis Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats | 8/year (2 per quarter) | 8/year (2 per quarter) |
| International lounge visits 2 per quarter vs 6 per year | 2 per quarter | 6 per year |
| 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 | ₹8,00,000 |
| Monthly interest rate 1.99% / month vs 3.75% / month | 1.99% / month | 3.75% / month |
| Late-payment charge Only available for SELECT | Not specified | ₹750–₹1,300 depending on outstanding balance |
| Fuel benefit Surcharge waiver available · ₹400–₹5,000 transactions · ₹1,000/month waiver cap vs 1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap | Surcharge waiver available · ₹400–₹5,000 transactions · ₹1,000/month waiver cap | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap |
| Rewards | ||
| Points per ₹100 3 pts / ₹100 vs 5 EDGE Reward Points / ₹100 | 3 pts / ₹100 | 5 EDGE Reward Points / ₹100 |
| Conservative base value Not safely INR-comparable vs ~1% | Not safely INR-comparable | ~1% |
| 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 SELECT | Not specified | ₹0.2 |
Notes
- Axis Bank SELECT Credit Card: Condition: ₹50,000 spend in the previous 3 calendar months
- 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 SELECT
Verify with issuer , opens external site