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| Feature | Axis Bank Axis Bank Magnus Credit Card | AU Small Finance Bank AU Bank Zenith+ Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | Axis Bank | AU Small Finance Bank |
| Network | Visa + RuPay | Visa + RuPay |
| Annual fee | ₹12,500 + GST per year | ₹4,999 + GST per year |
| Annual fee waiver | At ₹25,00,000 annual spending | At ₹8,00,000 annual spending |
| Base reward rate | 1.2% | 1% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 1.2% · Standard and accelerated monthly rewards | 2% · Travel, dining and international rewards |
| International spending | 1.2% · Standard and accelerated monthly rewards | 2% · Travel, dining and international rewards |
| Travel & hotels | 1.2% · Travel EDGE rewards | 2% · Travel, dining and international 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 | Eligible for merchant UPI payments |
| Airport lounge access | Unlimited domestic airport lounge visits • Unlimited international airport lounge visits | 16 domestic airport lounge visits per year • 16 international airport lounge visits per year |
| Forex markup | 2% | 1.0% |
| Monthly income requirement | Approx. ₹2,00,000/month | Approx. ₹2,50,000/month salaried · ₹2,50,000/month self-employed |
| Terms verified | 23 Sept 2026 | 13 Sept 2026 |
| Best suited to | High spenders who use lounges frequently and can extract value from Travel EDGE transfers. | High-income frequent travellers who can use both domestic and international airport lounges and clear the annual fee waiver. |
| Main trade-off | The ₹12,500 fee and ₹25 lakh waiver threshold are very high. Most catalogue redemptions value points at ₹0.20, transfer ratios vary, and regulated categories plus accelerated-portal spend have detailed exclusions. | The ₹4,999 fee needs ₹8 lakh annual spend for waiver, while Taj Epicure needs ₹12 lakh. Rent, education, government, fuel, EMI and cash transactions do not earn points; utility earning has a per-transaction limit. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
