WINNER
AU Bank Zenith+ Credit Card
AU Small Finance Bank
VS
IDFC FIRST Wealth Credit Card
IDFC First Bank
AU Bank Zenith+ Credit Card vs IDFC FIRST Wealth Credit Card
Detailed side-by-side comparison based on fees, rewards, benefits, and real user data.
credit card
Updated Jul 2026
Recommended
88
Overall Score / 100
4.4/5
86
Overall Score / 100
4.3/5
Scoreboard· 3 measured features
2
AU Bank Zenith+ Credit Card
Overall winner
0
Tied
1
IDFC FIRST Wealth Credit Card
What would you save?· ₹ per year, after fees
₹50,000
₹5k₹1L₹2L
AU Bank Zenith+ Credit Card
Rewards (3.0%)+ ₹18,000
Annual fee− ₹4,999
Net per year+₹13,001
Better here
IDFC FIRST Wealth Credit Card
Rewards (4.0%)+ ₹24,000
Annual fee− ₹2,500
Net per year+₹21,500
IDFC FIRST Wealth Credit Card gives you ₹8,499 more per year at this spend level.
Estimates use the headline reward rate. Real rewards depend on category-wise spend, monthly caps, and welcome-bonus eligibility. See the full T&C on the issuer's website before applying.
Feature-by-Feature Comparison
Feature
AU Bank Zenith+ Credit Card
IDFC FIRST Wealth Credit Card
Annual Fee
₹4,999
₹2,500
Joining Fee
₹4,999
Free
Reward Rate
3% dining, 2% online, 1% base
4
Welcome Bonus
5,000 reward points
None
Lounge Access
4 domestic visits/quarter
Yes
Min. Income
₹80,000
₹1,00,000
Min. Credit Score
750
750
InvestingPro Expert Verdict
Based on SEBI-compliant analysis • Affiliate disclosed
AU Zenith+ wins with 3.5% flat reward rate (one of Indias highest). IDFC Wealth offers never-expiring rewards and stronger lounge benefits at similar pricing.
Who Should Get Which?
💰
Choose IDFC FIRST Wealth Credit Card
Lower annual fees — ideal for budget-conscious users who want value without high costs.
✈️
Choose AU Bank Zenith+ Credit Card
Higher fee but more premium perks — best for power users who maximize rewards.
Disclaimer: This comparison is for informational purposes only. Product details may change; verify on official bank websites before applying. InvestingPro may earn affiliate commission on approved applications. Not SEBI registered investment advice.