- Annual fee ₹7,999 Waivable at ₹5,00,000 spend
- Forex markup 1.99%
- Domestic lounge 2/quarter Conditional · Domestic: 2/quarter · requires ₹20,000 spend in the calendar quarter
Pairwise comparison
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AU Small Finance Bank Zenith vs Axis Bank Atlas Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the AU Small Finance Bank Zenith and the Axis Bank Atlas. Verify fees, lounge access, forex markup, and base rewards before you apply.
Forex AU Small Finance Bank Zenith
Quick comparison
Three core metrics- Annual fee ₹5,000
- Forex markup 3.5%
- Domestic lounge 2/quarter
Reward earning explained
Per card5 pts / ₹100 on Dining (5 RP/₹100 on dining, international, grocery, department…
5 EDGE Miles / ₹100 on Travel + 2 EDGE Miles / ₹100 on General spend
Pick based on what matters
3 dimensionsStart with the constraint you care about most: annual fee (AU Small Finance Bank Zenith: ₹7,999 vs Axis Bank Atlas: ₹5,000), forex markup (1.99% vs 3.5%), or lounge access (2/quarter vs 2/quarter).
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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 1.99%.
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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 1.99%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is 2 per quarter.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Atlas: ~₹1,000/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 | Atlas Axis Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits | 2/quarter | 2/quarter |
| International lounge visits 16/year vs 4/year | 16/year | 4/year |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 1.99% vs 3.5% | 1.99% | 3.5% |
| Fees | ||
| Annual fee ₹7,999 vs ₹5,000 | ₹7,999 | ₹5,000 |
| Joining fee ₹7,999 vs ₹5,000 | ₹7,999 | ₹5,000 |
| Fee waiver spend Only available for AU Zenith | ₹5,00,000 | Not specified |
| Rewards | ||
| Points per ₹100 3 pts vs 2 pts | 3 pts | 2 pts |
| Point value (headline channel) Issuer headline rate at the travel/SmartBuy channel — not the lowest redemption option. Only available for Atlas | Not specified | ₹1 |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.