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| Feature | IDFC FIRST Bank IDFC FIRST Ashva Credit Card | AU Small Finance Bank AU Bank Zenith Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | IDFC FIRST Bank | AU Small Finance Bank |
| Network | Visa | Visa + RuPay |
| Annual fee | ₹2,999 + GST per year | ₹7,999 + GST per year |
| Annual fee waiver | No waiver recorded | At ₹5,00,000 annual spending |
| Base reward rate | 1.3% | 0.8% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 1.3% · Standard and incremental rewards | 1.3% · Dining rewards |
| Groceries & essentials | 1.3% · Standard and incremental rewards | 1.3% · Accelerated Zenith rewards |
| International spending | 1.3% · Standard and incremental rewards | 1.3% · Accelerated Zenith 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 | Not eligible | Eligible for merchant UPI payments |
| Airport lounge access | 16 domestic airport lounge visits per year • 8 international airport lounge visits per year | 8 domestic airport lounge visits per year • 8 international airport lounge visits per year |
| Forex markup | 0% | 2.0% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 13 Sept 2026 | 13 Sept 2026 |
| Best suited to | International travellers who want premium travel access below Mayura’s annual fee. | Frequent international airport lounge users who can spend enough to waive the premium annual fee. |
| Main trade-off | 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. | 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. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
