- 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 IndusInd Bank Avios Visa Infinite Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the AU Small Finance Bank Zenith and the IndusInd Bank Avios Visa Infinite. Verify fees, lounge access, forex markup, and base rewards before you apply.
Travel IndusInd Bank Avios Visa Infinite Forex IndusInd Bank Avios Visa Infinite
Quick comparison
Three core metrics- Annual fee ₹5,000
- Forex markup 1.5%
- Domestic lounge 2/quarter
Reward earning explained
Per card5 pts / ₹100 on Dining (5 RP/₹100 on dining, international, grocery, department…
Limited data1.5 pts / ₹100 on General spend
Limited dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (AU Small Finance Bank Zenith: ₹7,999 vs IndusInd Bank Avios Visa Infinite: ₹5,000), forex markup (1.99% vs 1.5%), or lounge access (2/quarter vs 2/quarter).
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Travel IndusInd Bank Avios Visa Infinite wins IndusInd Bank Avios Visa Infinite is better for travel
IndusInd Bank Avios Visa Infinite is stronger here. IndusInd Bank Avios Visa Infinite is cheaper for international spend (1.5% vs 1.99% forex).
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Forex markup IndusInd Bank Avios Visa Infinite wins IndusInd Bank Avios Visa Infinite is better for forex
IndusInd Bank Avios Visa Infinite is stronger here. IndusInd Bank Avios Visa Infinite has a lower forex markup (1.5% vs 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
Only IndusInd Bank Avios Visa Infinite has comparable evidence here. Estimated base reward value is ~1.2% on base spend.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- AU Zenith: Base earn not clearly specified
- IndusInd Bank Avios Visa Infinite: Base earn not clearly specified
Illustrative only, using current base rates before caps.
Swipe for all fields
| Field | Zenith AU Small Finance Bank | Avios Visa Infinite IndusInd Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits | 2/quarter | 2/quarter |
| International lounge visits 16/year vs 8/year | 16/year | 8/year |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 1.99% vs 1.5% | 1.99% | 1.5% |
| Fees | ||
| Annual fee ₹7,999 vs ₹5,000 | ₹7,999 | ₹5,000 |
| Joining fee ₹7,999 vs ₹10,000 | ₹7,999 | ₹10,000 |
| Fee waiver spend Only available for AU Zenith | ₹5,00,000 | Not specified |
| Interest-free period Only available for AU Zenith | Up to 50 days | Not specified |
| Rewards | ||
| Points per ₹100 3 pts vs 1.5 pts | 3 pts | 1.5 pts |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.