3 pts / ₹100
Limited data Pairwise comparison
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AU Small Finance Bank Zenith+ vs IDFC FIRST Bank IndiGo Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the AU Small Finance Bank Zenith+ and the IDFC FIRST Bank IndiGo. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick Zenith+ for spending abroad and lounge access.
Head-to-head
Three core metrics- Annual fee Zenith+ ₹4,999 Waivable at ₹8,00,000 spendIndiGo ₹4,999
- Forex markup Zenith+ saves ~₹500 per ₹1L abroadZenith+ 0.99%IndiGo 1.49%
- Domestic lounge Zenith+: +8 lounge visits/yrZenith+ 8/year (2 per quarter)IndiGo No complimentary lounge access
Reward earning explained
Per card3 pts / ₹100 · Up to 6 pts / ₹100 on Indigo
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 IDFC FIRST Bank IndiGo: ₹4,999), forex markup (0.99% vs 1.49%), or lounge access (8/year (2 per quarter) vs No complimentary lounge access).
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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 AU Small Finance Bank Zenith+ wins AU Small Finance Bank Zenith+ is better for lounge access
AU Small Finance Bank Zenith+ is stronger here. 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). IDFC FIRST Bank IndiGo is not safely INR-comparable (no usable point value).
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- AU Zenith+: Base earn not clearly specified
- IDFC FIRST IndiGo: Base earn not clearly specified
Illustrative only, using current base rates before caps.
| Field | Zenith+ AU Small Finance Bank | IndiGo IDFC FIRST Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits 8/year (2 per quarter) vs No complimentary lounge access | 8/year (2 per quarter) | No complimentary lounge access |
| International lounge visits 2 per quarter vs Not included | 2 per quarter | No international lounge access |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 0.99% vs 1.49% | 0.99% | 1.49% |
| Fees | ||
| Recurring annual fee | ₹4,999 | ₹4,999 |
| Annual-fee waiver Only available for AU Zenith+ | ₹8,00,000 | Not specified |
| Interest-free period Up to 50 days vs Up to 45 days | Up to 50 days | Up to 45 days |
| 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 No surcharge waiver | Surcharge waiver available · ₹400–₹5,000 transactions · ₹1,000/month waiver cap | No surcharge waiver |
| Rewards | ||
| Points per ₹100 | 3 pts / ₹100 | 3 pts / ₹100 |
| Earn ceiling Not stated vs Rewards apply only to spend up to your credit limit each statement cycle — shared across General spend, Indigo, Education, FASTag, Fuel, Government services, Insurance, IRCTC, Railways, Rent, Utilities, Wallet loads & UPI | Not stated | Rewards apply only to spend up to your credit limit each statement cycle — shared across General spend, Indigo, Education, FASTag, Fuel, Government services, Insurance, IRCTC, Railways, Rent, Utilities, Wallet loads & UPI |
| Point validity Only available for IDFC FIRST IndiGo | Not specified | 2 years |
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 siteIDFC FIRST Bank IndiGo
Verify with issuer , opens external site