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AU Zenith Plus vs IDFC First Select

Compare AU Zenith Plus vs IDFC First Select across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

AU Zenith Plus leads on reward rate, while IDFC First Select has the lowest annual fee.

Card 1

AU Zenith Plus

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.10.0

Card 2

IDFC First Select

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.5.3
AU Zenith Plus
Balanced value10.0

au / VISA

AU Zenith Plus

Annual

₹4,999

Return

4.5%

Lounges

24

Forex

1.99%

Card summary
  • AU Zenith Plus leans travel and lifestyle with ₹4,999 annual fee, 4.5% headline return potential, and 24 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹4,999 annual fee.
  • 4.5% reward rate can outperform flat cashback for loyal users.
  • 24 lounge access adds travel utility.
Cons
  • Low forex markup matters mainly if you travel internationally.
  • Higher ₹15,00,000 income expectation narrows eligibility.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
IDFC First Select
No-fee value5.3

idfc / VISA

IDFC First Select

Annual

₹0

Return

2%

Lounges

4

Forex

1.99%

Card summary
  • IDFC First Select leans reward-led with ₹0 annual fee, 2% headline return potential, and 4 lounge access.
Pros
  • No annual fee improves first-year and renewal value.
  • 2% reward rate can outperform flat cashback for loyal users.
  • 4 lounge access adds travel utility.
Cons
  • Low forex markup matters mainly if you travel internationally.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.

Value profile

Low ownership cost with upside from recurring spends.

Full card details
Metric
AU Zenith Plus
IDFC First Select
Fees
Annual fee
₹4,999
₹0
Joining fee
₹4,999
₹0
Rewards
Cashback rate
1%
0.5%
Reward rate
4.5%
2%
Travel
Forex markup
1.99%
1.99%
Domestic lounges
16
4
International lounges
8
0
Benefits
Fuel waiver
Yes
Yes
Dining
Yes
Yes
Movies
Yes
Yes
Eligibility
Minimum income
₹15,00,000
₹12,00,000

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