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AU Zenith Plus 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 Plus Credit Card versus IndusInd Bank Avios Visa Infinite Credit Card compared
FeatureAU Zenith Plus Credit CardAU Zenith Plus Credit CardAU Small Finance Bank4 recent changes →
IndusInd Bank Avios Visa Infinite Credit CardIndusInd Bank Avios Visa Infinite Credit CardIndusInd Bank5 recent changes →
Rewards by spend
Rewards1% base, up to 2% on dining1.5% base, up to 3% on foreign spends
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping1%1.5%
Dining and food delivery2%1.5%
Groceries1%1.5%
Travel: flights, hotels, trains2%1.5%; 2.5% only at British Airways, Qatar Airways
FuelsameEarns nothingEarns nothing
Bills and recharges1%0.5%
Rent1%1.5%
Insurance premiums1%0.5%
School and college fees1%0.5%
Wallet top-ups1%1.5%
Taxes and government paymentsNot stated0.5%
Spend abroad or in a foreign currency2%3%
Everything else1%1.5%
Card identity
Card typeDiningInternational
NetworksameVisaVisa
Card tiersamePremiumPremium
Fees
Joining fee₹4,999 + GST₹10,000 + GST
Annual fee₹4,999 + GST₹5,000 + GST
Fee waived at₹8,00,000-
Eligibility
Min agesame21 years21 years
Max age65 years-
Employment typesameBOTHBOTH
Min monthly salary₹2,50,000-
Rewards
Reward typeReward pointsAir miles
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹1,000-
Lounge access
Domestic lounge visits168
International lounge visits168
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 gateComplimentary 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 markup0.99%3.5%
Interest and charges
Interest rate (monthly)1.99%3%
Interest rate (annual)23.88%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)
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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
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 ₹1,499 a year ahead of AU Zenith Plus 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
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 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
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 Plus 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 Plus Credit Card or IndusInd Bank Avios Visa Infinite Credit Card?

AU Zenith Plus Credit Card. AU Zenith Plus Credit Card: ₹4,999; IndusInd Bank Avios Visa Infinite Credit Card: ₹5,000. 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%; 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 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; 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

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