- 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 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.
Travel IDFC FIRST Bank Mayura Forex IDFC FIRST Bank Mayura
Quick comparison
Three core metrics- Annual fee ₹5,999
- Forex markup 0%
- Domestic lounge 4/quarter Conditional · 4/quarter · requires ₹20,000 spend in the previous month
Reward earning explained
Per card5 pts / ₹100 on Dining (5 RP/₹100 on dining, international, grocery, department…
5 pts / ₹150 on General spend (Up to ₹20,000 per cycle)
Pick based on what matters
3 dimensionsStart 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 (2/quarter vs 4/quarter).
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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%.
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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%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is 2 per quarter. Domestic lounge access is 4 per quarter.
All fields
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.
Swipe for all fields
| Field | Zenith AU Small Finance Bank | Mayura IDFC FIRST Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits 2/quarter vs 4/quarter | 2/quarter | 4/quarter |
| International lounge visits | 16/year | 16/year |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 1.99% vs 0% | 1.99% | 0% |
| Fees | ||
| Annual fee ₹7,999 vs ₹5,999 | ₹7,999 | ₹5,999 |
| Joining fee ₹7,999 vs ₹5,999 | ₹7,999 | ₹5,999 |
| Fee waiver spend Only available for AU Zenith | ₹5,00,000 | Not specified |
| Interest-free period Up to 50 days vs Up to 45 days | Up to 50 days | Up to 45 days |
| Rewards | ||
| Reward points (base spend) 3 pts/₹100 vs 5 pts/₹150 | 3 pts/₹100 | 5 pts/₹150 |
| 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
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.