AU Bank Zenith vs IndusInd Iconia Amex
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
IndusInd Iconia Amex wins 5-4. Mid-premium Amex with annual-fee waiver from year 2. AU Bank Zenith is still the right call if underrated mid-premium — punches above its fee tier..
Side-by-side
| Criterion | AU Bank Zenith | IndusInd Iconia Amex |
|---|---|---|
| Annual fee | · ₹7,500 | No annual fee |
| Joining fee | · ₹7,500 | ₹3,500 |
| Top reward rate | 10% (travel) | · 5% (shopping) |
| Base reward rate | 2% | · 1.5% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 7,500 reward points + Vistara Premium Economy ticket | = 4,000 reward points + Yatra voucher |
| Fee waiver threshold | · ₹800,000 / yr | N/A (no fee) |
| Min income | · ₹1,200,000 | ₹600,000 |
| Min credit score | · 780 | 770 |
| Editorial rating | 4.4/5 | · 4.2/5 |
Benefits compared
AU Bank Zenith
- 10 ZenPoints per ₹100 on travel + dining
- 2 ZenPoints per ₹100 on general spend
- 8 complimentary international lounge visits per quarter
- 12 complimentary domestic lounge visits / year
- Annual milestone: free domestic flight at ₹6L spend
- 4 free golf rounds/quarter at 250+ courses
IndusInd Iconia Amex
- 10 reward points per ₹100 on weekend dining + grocery
- 4 international + 8 domestic lounge visits/year
- Annual fee waived from year 2 (lifetime)
- 1% fuel surcharge waiver
- Buy-1-get-1 BookMyShow
FAQ
›AU Bank Zenith vs IndusInd Iconia Amex: which is better?
IndusInd Iconia Amex wins on more dimensions (5 vs 4). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use AU Bank Zenith for its best categories, IndusInd Iconia Amex for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
AU Bank Zenith: 7,500 reward points + Vistara Premium Economy ticket. IndusInd Iconia Amex: 4,000 reward points + Yatra voucher.