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

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

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

Axis Bank SELECT Credit Card has a lower annual fee (₹3,000 vs ₹4,999).

Which card offers better lounge access?

AU Zenith+ Credit Card: 2 per quarter domestic lounge. Axis Bank SELECT 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 →

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.

Forex AU Small Finance Bank Zenith+ Rewards Axis Bank SELECT

Quick comparison

Three core metrics

Zenith+ AU Small Finance Bank

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

SELECT Axis Bank

Annual fee ₹3,000 Waivable at ₹8,00,000 spend
Forex markup 3.5%
Domestic lounge 2/quarter Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the previous 3 calendar months

Reward earning explained

Per card

Zenith+

3 pts / ₹100 on General spend

SELECT

5 pts / ₹100 on General spend

Pick based on what matters

4 dimensions

Start 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 (2/quarter 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%.

Zenith+: Limited data SELECT: 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 Tie

Both cards are similar for lounge access

Domestic lounge access is 2 per quarter.
Rewards Axis Bank SELECT wins

Axis Bank SELECT is better for rewards

Axis Bank SELECT is stronger here. Estimated base reward value is ~1% on base spend.

Verify with issuer

All fields

Standard view

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.

Swipe for all fields

Field	Zenith+ AU Small Finance Bank	SELECT Axis Bank
Lounge Access
Domestic lounge visits	2/quarter	2/quarter
International lounge visits 8/year vs 6/year	8/year	6/year
Forex / International Use
Forex markup Source agreement differs — verify both. 0.99% vs 3.5%	0.99%	3.5%
Fees
Annual fee ₹4,999 vs ₹3,000	₹4,999	₹3,000
Joining fee ₹4,999 vs ₹3,000	₹4,999	₹3,000
Fee waiver spend	₹8,00,000	₹8,00,000
Rewards
Points per ₹100 3 pts vs 5 pts	3 pts	5 pts
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

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