AU Zenith+ vs IDFC First WOW
Side-by-side credit card comparison to help you choose the best one.
IDFC First WOW
Why this card wins: All-Round Rewards — 10X reward points on every spend category
| Feature | ||
|---|---|---|
| Bank | AU Small Finance Bank | IDFC First Bank |
| Card Type | Super Premium | Rewards |
| Annual Fee | ₹7,999 + GST | Lifetime Free |
| Joining Fee | ₹7,999 + GST | Nil |
| Rewards | 4.5% value back on select categories | 10X reward points on every spend category |
| Best For | Premium Lifestyle | All-Round Rewards |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹2,00,000 - ₹10,00,000 | ₹25,000 - ₹5,00,000 |
| Welcome Benefit | ₹2,000 voucher on first ₹10,000 spend | 500 reward points on first spend |
| Min Income | ₹50,000/month | ₹15,000/month |
| Lounge Access | 8 domestic + 4 international per year | 6 domestic + 2 international per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 2.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.4 | 4.5 |
| Contactless | ||
| EMI Conversion |
Key Features
AU Zenith+
Premium Lifestyle
Visa Signature • Super Premium
- Complimentary airport lounge access worldwide
- Travel insurance up to ₹3 Crore
- Concierge services 24/7
- Milestone bonus of ₹10,000 voucher on ₹5L spend
IDFC First WOW
All-Round Rewards
Visa • Rewards
- No annual or joining fee ever
- 10X reward points on all categories
- 6 domestic + 2 international lounge visits
- Never expiring reward points
Verdict
Based on rating and overall value, IDFC First WOW ranks highest among your selected cards. It excels at All-Round Rewards and offers 10X reward points on every spend category.
Frequently asked questions
Which is better: AU Zenith+ or IDFC First WOW?
IDFC First WOW has the higher CardKhoj rating (4.5/5) and is best for all-round rewards. AU Zenith+ is the better fit if your priority is premium lifestyle. The right choice depends on where you spend most.
Which has the lower annual fee: AU Zenith+ and IDFC First WOW?
IDFC First WOW is cheaper to hold at Lifetime Free, compared with ₹7,999 + GST for AU Zenith+.
Do AU Zenith+ and IDFC First WOW offer airport lounge access?
AU Zenith+: 8 domestic + 4 international per year. IDFC First WOW: 6 domestic + 2 international per year.
Which card is better for international spending?
AU Zenith+ has the lowest forex markup at 2.5% + GST, which makes it cheaper for travel abroad and foreign-currency shopping.
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