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| Feature | AU Small Finance Bank AU Bank Zenith Credit Card | IDFC FIRST Bank IDFC FIRST Ashva Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | AU Small Finance Bank | IDFC FIRST Bank |
| Network | Visa + RuPay | Visa |
| Annual fee | ₹7,999 + GST per year | ₹2,999 + GST per year |
| Annual fee waiver | At ₹5,00,000 annual spending | No waiver recorded |
| Base reward rate | 0.8% | 1.3% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 1.3% · Dining rewards | 1.3% · Standard and incremental rewards |
| Groceries & essentials | 1.3% · Accelerated Zenith rewards | 1.3% · Standard and incremental rewards |
| International spending | 1.3% · Accelerated Zenith rewards | 1.3% · Standard and incremental rewards |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Not eligible |
| Airport lounge access | 8 domestic airport lounge visits per year • 8 international airport lounge visits per year | 16 domestic airport lounge visits per year • 8 international airport lounge visits per year |
| Forex markup | 2.0% | 0% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 13 Sept 2026 | 13 Sept 2026 |
| Best suited to | Frequent international airport lounge users who can spend enough to waive the premium annual fee. | International travellers who want premium travel access below Mayura’s annual fee. |
| Main trade-off | The list fee is ₹7,999 plus tax, domestic airport lounge visits require ₹50,000 of preceding-quarter retail spend, and Priority Pass use within India is chargeable. | The ₹2,999 annual fee has no standard waiver. Rewards stop above the assigned credit limit in a billing cycle, travel bonus points are capped, and the ₹0.40 point value needs eligible app travel redemption. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
