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AU Zenith+ vs IDFC FIRST IndiGo

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.

Zenith+
IndiGo

The short answer

Pick IndiGo for spending abroad.

Head-to-head

  • Annual fee Annual fee outcome: tie.
    Zenith+ ₹4,999 Waivable at ₹8,00,000 spend
    IndiGo ₹4,999
  • Forex markup Forex markup outcome: IndiGo wins.
    Zenith+ 0.99%
    IndiGo 0%
    IndiGo saves ~₹990 per ₹1L abroad
  • Domestic lounge Domestic lounge outcome: insufficient data to compare.
    Zenith+ 8/year (2 per quarter)
    IndiGo No complimentary lounge access
  • Rewards Rewards outcome: insufficient data to compare.
    Zenith+ Not safely INR-comparable
    IndiGo Not safely INR-comparable
    conservative base value
    Zenith+: Limited data IndiGo: Strong data

Reward earning explained

Zenith+

3 pts / ₹100

Limited data
IndiGo

3 pts / ₹100 · Up to 6 pts / ₹100 on Indigo

Strong data

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.

All fields

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
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 Not included
 2 per quarter No international lounge access
Forex / International Use
Forex markup
Source agreement differs — verify both.
0.99% vs 0%
 0.99% 0%
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.

Related comparisons

Next useful checks

AU Small Finance Bank Zenith+

Verify with issuer , opens external site

IDFC FIRST Bank IndiGo

Verify with issuer , opens external site
Data refreshed through 3 Oct 2026 moneymatters.cards Privacy Current Money Matters snapshot
Important

Data compiled from issuer and public information. Details may change — verify with issuer. Reference data, not financial advice.

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