Which card has a lower forex fee: AU Zenith Credit Card or IDFC First Bank Mayura Credit Card?

IDFC First Bank Mayura Credit Card has lower forex markup (0% vs 1.99%).

Which card has a lower annual fee: AU Zenith Credit Card or IDFC First Bank Mayura Credit Card?

IDFC First Bank Mayura Credit Card has a lower annual fee (₹5,999 annual fee vs ₹7,999 annual fee).

Which card offers better lounge access?

AU Zenith Credit Card: 2 domestic + 2 international lounge visits/quarter. IDFC First Bank Mayura Credit Card: 4 domestic + 4 international lounge visits/quarter.

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 Mayura Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the AU Small Finance Bank Zenith and the IDFC FIRST Bank Mayura. Verify fees, lounge access, forex markup, and base rewards before you apply.

Zenith

Mayura

The short answer

Verdict

Pick Mayura for travel, spending abroad and lounge access.

Head-to-head

Three core metrics

Annual fee

Zenith ₹7,999 Waivable at ₹5,00,000 spend

Mayura ₹5,999 Annual-fee waiver not offered

Mayura saves ₹2,000/yr
Forex markup

Zenith 1.99%

Mayura 0%

Mayura saves ~₹1,990 per ₹1L abroad
Domestic lounge

Zenith 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹20,000 spend in the calendar quarter

Mayura 16/year (4 per quarter) Conditional · 4/quarter · requires ₹20,000 spend in the previous month (unlocks the following month)

Mayura: +8 lounge visits/yr

Reward earning explained

Per card

Zenith

3 pts / ₹100 · Up to 5 pts / ₹100 on Dining

Strong data

Mayura

5 pts / ₹150

Strong data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (AU Small Finance Bank Zenith: ₹7,999 vs IDFC FIRST Bank Mayura: ₹5,999), forex markup (1.99% vs 0%), or lounge access (8/year (2 per quarter) vs 16/year (4 per quarter)).

Travel IDFC FIRST Bank Mayura wins

IDFC FIRST Bank Mayura is better for travel

IDFC FIRST Bank Mayura is stronger here. Forex markup is 0%.
Forex markup IDFC FIRST Bank Mayura wins

IDFC FIRST Bank Mayura is better for forex

IDFC FIRST Bank Mayura is stronger here. Forex markup is 0%.
Lounge access IDFC FIRST Bank Mayura wins

IDFC FIRST Bank Mayura is better for lounge access

IDFC FIRST Bank Mayura is stronger here. IDFC FIRST Bank Mayura offers 16 domestic lounge visits per year versus 8.
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 Mayura conservative base value ~0.8333333333333334% per ₹100.

Zenith: Strong data Mayura: Strong data

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

IDFC First Bank Mayura: ~₹420/month at base rate
AU Zenith: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field	Zenith AU Small Finance Bank	Mayura IDFC FIRST Bank
Insurance — Air accident cover Only available for IDFC First Bank Mayura	Not specified	₹1 crore
Insurance — Personal accident cover Only available for IDFC First Bank Mayura	Not specified	₹10 lakh
Insurance — Lost card liability cover Only available for IDFC First Bank Mayura	Not specified	₹50,000
Insurance — Underwriter Only available for IDFC First Bank Mayura	Not specified	Insured by New India Assurance
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats 8/year (2 per quarter) vs 16/year (4 per quarter)	8/year (2 per quarter)	16/year (4 per quarter)
International lounge visits 2 per quarter vs 4 per quarter	2 per quarter	4 per quarter
Forex / International Use
Forex markup Source agreement differs — verify both. 1.99% vs 0%	1.99%	0%
Fees
Recurring annual fee ₹7,999 vs ₹5,999	₹7,999	₹5,999
Annual-fee waiver ₹5,00,000 vs Not offered	₹5,00,000	Not offered
Interest-free period Up to 50 days vs Up to 45 days	Up to 50 days	Up to 45 days
Monthly interest rate 3.75% / month vs 3.85% / month	3.75% / month	3.85% / month
Fuel benefit Surcharge waiver available · ₹400–₹5,000 transactions · ₹1,000/month waiver cap vs 1% surcharge waiver · ₹200–₹5,000 transactions · ₹300/month waiver cap	Surcharge waiver available · ₹400–₹5,000 transactions · ₹1,000/month waiver cap	1% surcharge waiver · ₹200–₹5,000 transactions · ₹300/month waiver cap
Rewards
Base earn 3 pts / ₹100 vs 5 pts / ₹150	3 pts / ₹100	5 pts / ₹150
Conservative base value Not safely INR-comparable vs ~0.8%	Not safely INR-comparable	~0.8%
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
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for IDFC First Bank Mayura	Not specified	₹0.25
Point validity Only available for IDFC First Bank Mayura	Not specified	2 years

Notes

AU Zenith Credit Card: Condition: ₹20,000 spend in the calendar quarter
IDFC First Bank Mayura Credit Card: Condition: ₹20,000 spend in the previous month (unlocks the following month)
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

IDFC FIRST Bank Mayura

Verify with issuer