Which card has a lower forex fee: AU Zenith+ Credit Card or Axis Bank SELECT Credit Card?

Forex markup outcome: AU Zenith+ Credit Card wins.

Which card has a lower annual fee: AU Zenith+ Credit Card or Axis Bank SELECT Credit Card?

Annual fee outcome: Axis Bank SELECT Credit Card wins.

Which card has the stronger rewards outcome?

Rewards outcome: insufficient data to compare.

AU Zenith+ vs AXIS SELECT

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.

Zenith+

SELECT

The short answer

Pick Zenith+ for spending abroad.

Pick SELECT for a lower fee.

SELECT costs ₹1,999 less a year.

Head-to-head

Annual fee Annual fee outcome: SELECT wins.

Zenith+ ₹4,999 Waivable at ₹8,00,000 spend

SELECT ₹3,000 Waivable at ₹8,00,000 spend

SELECT saves ₹1,999/yr
Forex markup Forex markup outcome: Zenith+ wins.

Zenith+ 0.99%

SELECT 3.5%

Zenith+ saves ~₹2,510 per ₹1L abroad
Domestic lounge Domestic lounge outcome: tie.

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
Rewards Rewards outcome: insufficient data to compare.

Zenith+ Not safely INR-comparable

SELECT ~1%

conservative base value
Zenith+: Limited data SELECT: Strong data

Reward earning explained

Zenith+

3 pts / ₹100

Limited data

SELECT

5 EDGE Reward Points / ₹100

Strong data

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.

All fields

Differences only

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)
Railway lounge visits Only available for AU Zenith+	8 railway lounge visits per year (max 2/quarter)	Not specified
International lounge visits 2 per quarter vs 6 per year	2 per quarter	6 per year
Forex / International Use
Forex markup Source agreement differs — verify both. 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
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

Axis Bank SELECT

Verify with issuer