Which card has a lower forex fee: AU Zenith+ Credit Card or Marriott Bonvoy HDFC Bank 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 Marriott Bonvoy HDFC Bank Credit Card?

Marriott Bonvoy HDFC Bank Credit Card has a lower annual fee (₹3,000 annual fee vs ₹4,999 annual fee).

Which card offers better lounge access?

AU Zenith+ Credit Card: 2 domestic + 2 international lounge visits/quarter. Marriott Bonvoy HDFC Bank Credit Card: 12 domestic + 12 international lounge visits/year.

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 HDFC Bank Marriott Bonvoy Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the AU Small Finance Bank Zenith+ and the HDFC Bank Marriott Bonvoy. Verify fees, lounge access, forex markup, and base rewards before you apply.

Zenith+

Marriott Bonvoy

The short answer

Verdict

Pick Zenith+ for spending abroad.

Pick Marriott Bonvoy for lounge access.

Head-to-head

Three core metrics

Annual fee

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

Marriott Bonvoy ₹3,000

Marriott Bonvoy saves ₹1,999/yr
Forex markup

Zenith+ 0.99%

Marriott Bonvoy 3.5%

Zenith+ saves ~₹2,510 per ₹1L abroad
Domestic lounge

Zenith+ 8/year (2 per quarter)

Marriott Bonvoy 12/year

Marriott Bonvoy: +4 lounge visits/yr

Reward earning explained

Per card

Zenith+

3 pts / ₹100

Limited data

Marriott Bonvoy

2 pts / ₹150 · Up to 8 pts / ₹150 on Hotel

Strong data

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 HDFC Bank Marriott Bonvoy: ₹3,000), forex markup (0.99% vs 3.5%), or lounge access (8/year (2 per quarter) vs 12/year).

Travel Insufficient data

Insufficient data to compare travel

Only AU Small Finance Bank Zenith+ has comparable evidence here. Forex markup is 0.99%.

Zenith+: Strong data Marriott Bonvoy: Strong 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 HDFC Bank Marriott Bonvoy wins

HDFC Bank Marriott Bonvoy is better for lounge access

HDFC Bank Marriott Bonvoy is stronger here. HDFC Bank Marriott Bonvoy offers 12 domestic lounge visits per year versus 8.
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). HDFC Bank Marriott Bonvoy conservative base value ~0.6666666666666666% per ₹100.

Zenith+: Limited data Marriott Bonvoy: Strong data

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Marriott Bonvoy HDFC Bank: ~₹330/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	Marriott Bonvoy HDFC Bank
Insurance — Lost card liability cover Only available for Marriott Bonvoy HDFC Bank	Not specified	₹9 lakh
Insurance — Underwriter Only available for Marriott Bonvoy HDFC Bank	Not specified	Insured by HDFC ERGO General Insurance Company Limited
Lounge Access
Domestic lounge visits 8/year (2 per quarter) vs 12/year	8/year (2 per quarter)	12/year
International lounge visits 2 per quarter vs 12 per year	2 per quarter	12 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
First-year cost Only available for Marriott Bonvoy HDFC Bank	Not specified	₹3,000
Annual-fee waiver Only available for AU Zenith+	₹8,00,000	Not specified
Monthly interest rate 1.99% / month vs 3.75% / month	1.99% / month	3.75% / month
Late-payment charge Only available for Marriott Bonvoy HDFC Bank	Not specified	₹100–₹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–₹5,000 transactions · ₹250/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 · ₹250/month waiver cap · Fuel rewards excluded
Rewards
Base earn 3 pts / ₹100 vs 2 pts / ₹150	3 pts / ₹100	2 pts / ₹150
Conservative base value Not safely INR-comparable vs ~0.7%	Not safely INR-comparable	~0.7%
Earn ceiling Not stated vs 53,335 points per month; at 8 pts / ₹150, this lane reaches the cap at ~₹10 lakh of eligible spend	Not stated	53,335 points per month; at 8 pts / ₹150, this lane reaches the cap at ~₹10 lakh of eligible spend

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

HDFC Bank Marriott Bonvoy

Verify with issuer