3 pts / ₹100 · Up to 5 pts / ₹100 on Dining
Strong data Pairwise comparison
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AU Small Finance Bank Zenith vs Axis Bank IndiGo Axis Bank Premium Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the AU Small Finance Bank Zenith and the Axis Bank IndiGo Axis Bank Premium. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick Zenith for spending abroad.
Head-to-head
Three core metrics- Annual fee IndiGo Axis Bank Premium saves ₹2,999/yrZenith ₹7,999 Waivable at ₹5,00,000 spendIndiGo Axis Bank Premium ₹5,000 Annual-fee waiver not offered
- Forex markup Zenith saves ~₹510 per ₹1L abroadZenith 1.99%IndiGo Axis Bank Premium 2.5%
- Domestic lounge Zenith 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹20,000 spend in the calendar quarterIndiGo Axis Bank Premium 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the previous 3 calendar months
Reward earning explained
Per card2 pts / ₹100 · Up to 7 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: ₹7,999 vs Axis Bank IndiGo Axis Bank Premium: ₹5,000), forex markup (1.99% vs 2.5%), or lounge access (8/year (2 per quarter) vs 8/year (2 per 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.
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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). Axis Bank IndiGo Axis Bank Premium 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
- IndiGo Axis Bank Premium: Base earn not clearly specified
Illustrative only, using current base rates before caps.
| Field | Zenith AU Small Finance Bank | IndiGo Axis Bank Premium Axis Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats | 8/year (2 per quarter) | 8/year (2 per quarter) |
| International lounge visits 2 per quarter vs 2 per year | 2 per quarter | 2 per year |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 1.99% vs 2.5% | 1.99% | 2.5% |
| Fees | ||
| Recurring annual fee ₹7,999 vs ₹5,000 | ₹7,999 | ₹5,000 |
| Annual-fee waiver ₹5,00,000 vs Not offered | ₹5,00,000 | Not offered |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Fuel benefit Surcharge waiver available · ₹400–₹5,000 transactions · ₹1,000/month waiver cap vs 1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap | Surcharge waiver available · ₹400–₹5,000 transactions · ₹1,000/month waiver cap | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap |
| Rewards | ||
| Points per ₹100 3 pts / ₹100 vs 2 pts / ₹100 | 3 pts / ₹100 | 2 pts / ₹100 |
| Earn ceiling 100 points per transaction; at 3 pts / ₹100, this lane reaches the cap at ~₹3,300 of eligible spend vs Not stated | 100 points per transaction; at 3 pts / ₹100, this lane reaches the cap at ~₹3,300 of eligible spend | Not stated |
Notes
- AU Zenith Credit Card: Condition: ₹20,000 spend in the calendar quarter
- IndiGo Axis Bank Premium Credit Card: Condition: ₹50,000 spend in the previous 3 calendar months
- 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 siteAxis Bank IndiGo Axis Bank Premium
Verify with issuer , opens external site