Which card has a lower forex fee: AU Zenith+ Credit Card or IDFC FIRST IndiGo Credit Card?

AU Zenith+ Credit Card has lower forex markup (0.99% vs 1.49%).

Which card has a lower annual fee: AU Zenith+ Credit Card or IDFC FIRST IndiGo Credit Card?

Both cards have the same annual fee (₹4,999).

Which card offers better lounge access?

AU Zenith+ Credit Card: 2 per quarter domestic lounge. IDFC FIRST IndiGo Credit Card: No complimentary lounge access.

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 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.

Forex AU Small Finance Bank Zenith+ Lounge AU Small Finance Bank Zenith+

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

IndiGo IDFC FIRST Bank

Annual fee ₹4,999
Forex markup 1.49%
Domestic lounge No complimentary lounge access

Reward earning explained

Per card

Zenith+

3 pts / ₹100 on General spend

IndiGo

6 pts / ₹100 on Indigo (6 BC/₹100 on IndiGo channels. Marketing 'up to 22' incl…

Limited 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 IDFC FIRST Bank IndiGo: ₹4,999), forex markup (0.99% vs 1.49%), or lounge access (2/quarter vs No complimentary lounge access).

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 IndiGo: 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 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.
Rewards Insufficient data

Insufficient data to compare rewards

Only AU Small Finance Bank Zenith+ has comparable evidence here. Base earn is 3 pts per ₹100.

IndiGo: Limited data

Verify with issuer

All fields

Standard view

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.

Swipe for all fields

Field	Zenith+ AU Small Finance Bank	IndiGo IDFC FIRST Bank
Lounge Access
Domestic lounge visits 2/quarter vs No complimentary lounge access	2/quarter	No complimentary lounge access
International lounge visits Only available for AU Zenith+	8/year	Not specified
Forex / International Use
Forex markup Limited support — verify with issuer. 0.99% vs 1.49%	0.99%	1.49%
Fees
Annual fee	₹4,999	₹4,999
Joining fee	₹4,999	₹4,999
Fee waiver spend 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
Rewards
Points per ₹100	3 pts	3 pts
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.