Share

AU Zenith vs IndusInd Bank Avios Visa Infinite 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 IndusInd Bank Avios Visa Infinite Credit Card compared
FeatureAU Zenith Credit CardAU Zenith Credit CardAU Small Finance Bank7 recent changes →
IndusInd Bank Avios Visa Infinite Credit CardIndusInd Bank Avios Visa Infinite Credit CardIndusInd Bank5 recent changes →
Rewards by spend
Rewards0.75% base, up to 1.25% on dining1.5% base, up to 3% on foreign spends
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping0.75%1.5%
Dining and food delivery1.25%1.5%
Groceries1.25%1.5%
Travel: flights, hotels, trains0.75%1.5%; 2.5% only at British Airways, Qatar Airways
FuelsameEarns nothingEarns nothing
Bills and recharges0.25%0.5%
RentEarns nothing1.5%
Insurance premiums0.25%0.5%
School and college feesEarns nothing0.5%
Wallet top-ups0.75%1.5%
Taxes and government paymentsEarns nothing0.5%
Spend abroad or in a foreign currency1.25%3%
Everything else0.75%1.5%
Card identity
Card typeDiningInternational
NetworksameVisaVisa
Card tiersamePremiumPremium
Fees
Joining fee₹7,999 + GST₹10,000 + GST
Annual fee₹7,999 + GST₹5,000 + GST
Fee waived at₹5,00,000-
Eligibility
Min agesame21 years21 years
Max age65 years-
Employment typesameBOTHBOTH
Rewards
Reward typeReward pointsAir miles
Point value₹0₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹100-
Lounge access
Domestic lounge visitssame88
International lounge visitssame88
Railway lounge visits8-
Lounge programmesamePRIORITY_PASSPRIORITY_PASS
Priority PasssameYesYes
Lounge conditionSpend Rs 50,000 in the previous quarter for domestic lounge accessComplimentary Priority Pass with 2 international and 2 domestic airport lounge visits each calendar quarter. IndusInd's 1-Apr-2026 domestic-lounge spend criteria do not name this card, so these visits are not spend-gated
Forex and international
Forex markup3.49%3.5%
Interest and charges
Interest rate (monthly)3.75%3%
Interest rate (annual)45%36%
Redemption
Redemption fee-₹100
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 photographPAN card Aadhaar / address proof Income proof (salary slips or ITR)
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
IndusInd Bank Avios Visa Infinite Credit Card
Rewards a year
₹4,500
Fee a year
- ₹5,900
You keep
- ₹1,400

At this spend, IndusInd Bank Avios Visa Infinite Credit Card comes out ₹5,927 a year ahead of AU Zenith 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
IndusInd Bank Avios Visa Infinite Credit Card
  • Frequent flyers on British Airways or Qatar Airways
  • High spenders who can cross Rs 8 lakh a year
  • International travellers to one regular region
  • Users earning Rs 1 lakh a month or more

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
IndusInd Bank Avios Visa Infinite Credit Card
  • Rs 10,000 upfront plus Rs 5,000 a year, with no waiver
  • 3.5% forex markup outside point-of-sale in your preferred region
  • Only 1 Avios per Rs 200 on utilities, insurance, education and government payments
  • No Avios on fuel

Card data sourced via CardAdvisor.in (AU Zenith Credit Card, IndusInd Bank Avios Visa Infinite 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 IndusInd Bank Avios Visa Infinite Credit Card?

IndusInd Bank Avios Visa Infinite Credit Card. IndusInd Bank Avios Visa Infinite Credit Card: ₹5,000; AU Zenith Credit Card: ₹7,999. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

AU Zenith Credit Card has the lowest forex markup. AU Zenith Credit Card: 3.49%; IndusInd Bank Avios Visa Infinite Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: IndusInd Bank Avios Visa Infinite Credit Card 1.5%, 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; IndusInd Bank Avios Visa Infinite Credit Card: 8 domestic lounge visits a year. 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

Other Comparisons

We earn a commission if you are approved, and you pay nothing extra. How we make money.

Compare all the credit cards we list

Credit Cards

Guides in Plain Words

Short reads that explain how it works before you decide.

All Credit Cards guides
SkyloFin - Expense Tracker

Your Money. One Clear View.

Automatically organise your spending, track expenses and understand where your money goes.

  • Reads bank SMS No account linking, no passwords.
  • Sorts every rupee Into categories you can edit.
  • Bills and cards Statements found, due dates reminded.
  • Your Google Drive Backed up to you, never to us.
Get the AppSee how it works