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AU Zenith Plus vs Axis Bank Reserve 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 Plus Credit Card versus Axis Bank Reserve Credit Card compared
FeatureAU Zenith Plus Credit CardAU Zenith Plus Credit CardAU Small Finance Bank4 recent changes →
Axis Bank Reserve Credit CardAxis Bank Reserve Credit CardAxis Bank5 recent changes →
Rewards by spend
Rewards1% base, up to 2% on dining3% base, up to 6% on foreign spends
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping1%3%
Dining and food delivery2%3%
Groceries1%3%
Travel: flights, hotels, trains2%3%
FuelsameEarns nothingEarns nothing
Bills and recharges1%Earns nothing
Rent1%3%
Insurance premiums1%Earns nothing
School and college fees1%3%
Wallet top-ups1%Earns nothing
Taxes and government paymentsNot statedEarns nothing
Spend abroad or in a foreign currency2%6%
Everything else1%3%
Card identity
Card typeDiningInternational
NetworkVisaMastercard
Card tierPremiumSuper premium
Fees
Joining fee₹4,999 + GST₹50,000 + GST
Annual fee₹4,999 + GST₹50,000 + GST
Fee waived at₹8,00,000₹35,00,000
Eligibility
Min age21 years-
Max age65 years-
Employment typeBOTH-
Min monthly salary₹2,50,000-
Rewards
Reward typesameReward pointsReward points
Point value₹1₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹1,000-
Lounge access
Domestic lounge visits16-
Domestic lounge unlimitedNoYes
International lounge visits16-
International lounge unlimitedNoYes
Guest lounge visits-12
Lounge programmesamePRIORITY_PASSPRIORITY_PASS
Priority PasssameYesYes
Lounge condition4 complimentary domestic lounge visits per quarter (16/year) plus 4 international visits per quarter via Priority Pass (16/year), unconditional with no spend gateUnlimited domestic and international airport lounge access for primary and add-on cardholders, plus 12 complimentary guest visits a year. From 28 Aug 2026 Priority Pass no longer opens Indian domestic lounges, show the card and boarding pass
Forex and international
Forex markup0.99%1.5%
Interest and charges
Interest rate (monthly)1.99%3%
Interest rate (annual)23.88%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 Plus Credit Card
Rewards a year
₹3,000
Fee a year
- ₹5,899
You keep
- ₹2,899
Axis Bank Reserve Credit Card
Rewards a year
₹9,000
Fee a year
- ₹59,000
You keep
- ₹48,584

At this spend, AU Zenith Plus Credit Card comes out ₹45,685 a year ahead of Axis Bank Reserve 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 Plus Credit Card
  • Frequent flyers
  • High earners who spend abroad
  • Golfers
Axis Bank Reserve Credit Card
  • Foreign spends: 6% back
  • Spending ₹2,91,667 or more a month: the ₹59,000 fee is waived
  • Frequent flyers: unlimited airport lounge visits
  • Spending abroad: 1.5% markup, most cards add 3.5%

Watch-Outs

AU Zenith Plus Credit Card
  • Needs a monthly income of around ₹2,50,000
  • Waiver needs Rs 8 lakh a year
  • ₹4,999 fee from the second year if you miss the waiver
Axis Bank Reserve Credit Card
  • Skip it if you spend less than ₹2,91,667 a month (₹35,00,000 a year, rent and wallet loads not counted): the ₹59,000 fee is then charged
  • Skip it if most of your spending is fuel, utility bills, insurance or wallet top-ups: 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 6% rate applies only there, everything else earns 3%

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

Questions People Ask

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

AU Zenith Plus Credit Card. AU Zenith Plus Credit Card: ₹4,999; Axis Bank Reserve Credit Card: ₹50,000. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

AU Zenith Plus Credit Card has the lowest forex markup. AU Zenith Plus Credit Card: 0.99%; Axis Bank Reserve Credit Card: 1.5%. 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 Reserve Credit Card 3%, AU Zenith Plus Credit Card 1%. 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 Plus Credit Card: 16 domestic lounge visits a year; Axis Bank Reserve 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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