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AU Zenith vs Axis Bank Olympus Credit Card Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

AU Zenith Credit Card versus Axis Bank Olympus Credit Card compared
FeatureAU Zenith Credit CardAU Zenith Credit CardAU Small Finance Bank7 recent changes →
Axis Bank Olympus Credit CardAxis Bank Olympus Credit CardAxis Bank5 recent changes →
Rewards by spend
Rewards0.75% base, up to 1.25% on dining4% base, up to 8% on foreign spends
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping0.75%4%
Dining and food delivery1.25%4%
Groceries1.25%4%
Travel: flights, hotels, trains0.75%4%
FuelsameEarns nothingEarns nothing
Bills and recharges0.25%Earns nothing
RentsameEarns nothingEarns nothing
Insurance premiums0.25%Earns nothing
School and college feessameEarns nothingEarns nothing
Wallet top-ups0.75%Earns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency1.25%8%
Everything else0.75%4%
Card identity
Card typeDiningInternational
NetworksameVisaVisa
Card tierPremiumSuper premium
Fees
Joining fee₹7,999 + GST₹20,000 + GST
Annual fee₹7,999 + GST₹20,000 + GST
Fee waived at₹5,00,000-
Eligibility
Min age21 years-
Max age65 years-
Employment typeBOTH-
Rewards
Reward typeReward pointsAir miles
Point value₹0₹4
Fuel surcharge
Fuel surcharge waiverYesNo
Fuel waiver cap₹100₹400
Lounge access
Domestic lounge visits8-
Domestic lounge unlimitedNoYes
International lounge visits8-
International lounge unlimitedNoYes
Guest lounge visits-10
Railway lounge visits8-
Lounge programmesamePRIORITY_PASSPRIORITY_PASS
Priority PasssameYesYes
Lounge conditionSpend Rs 50,000 in the previous quarter for domestic lounge accessUnlimited domestic and international lounge access for primary and add-on cardholders, with 10 Priority Pass guest visits an anniversary year and 10 domestic guest visits a calendar year. From 28 Aug 2026 Priority Pass no longer opens Indian domestic loun
Forex and international
Forex markup3.49%1.8%
Interest and charges
Interest rate (monthly)3.75%3%
Interest rate (annual)45%36%
Page content
Documents neededPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph-
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

AU Zenith Credit Card
Rewards a year
₹2,112
Fee a year
- ₹9,439
You keep
- ₹7,327
Axis Bank Olympus Credit Card
Rewards a year
₹12,000
Fee a year
- ₹23,600
You keep
- ₹10,396

At this spend, AU Zenith Credit Card comes out ₹3,069 a year ahead of Axis Bank Olympus Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

AU Zenith Credit Card
  • High spenders who can reach Rs 5 lakh a year
  • Occasional international travellers
  • People who want concierge service
Axis Bank Olympus Credit Card
  • Foreign spends: 8% back
  • Frequent flyers: unlimited airport lounge visits
  • Spending abroad: 1.8% markup, most cards add 3.5%

Watch-Outs

AU Zenith Credit Card
  • Reward rates were cut in January 2026
  • No points on rent, fuel, education, government, EMI or BBPS bills
  • Domestic lounges need Rs 50,000 spend in the previous quarter
  • ₹7,999 fee is steep if you miss the waiver
Axis Bank Olympus Credit Card
  • Skip it if you spend less than ₹49,500 a month: below that the ₹23,600 fee costs more than the rewards
  • Skip it if most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
  • Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
  • Skip it if you rarely spend on foreign spends: the 8% rate applies only there, everything else earns 4%

Card data sourced via CardAdvisor.in (AU Zenith Credit Card, Axis Bank Olympus Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, AU Zenith Credit Card or Axis Bank Olympus Credit Card?

AU Zenith Credit Card. AU Zenith Credit Card: ₹7,999; Axis Bank Olympus Credit Card: ₹20,000. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

Axis Bank Olympus Credit Card has the lowest forex markup. Axis Bank Olympus Credit Card: 1.8%; AU Zenith Credit Card: 3.49%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: Axis Bank Olympus Credit Card 4%, AU Zenith Credit Card 0.75%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Which gives airport lounge access?

AU Zenith Credit Card: 8 domestic lounge visits a year; Axis Bank Olympus Credit Card: unlimited domestic lounge visits. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

Work Out the Numbers

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