IDFC
IDFC First Bank Ashva Metal
Mid-tier card · 16/year domestic lounge · 1% forex markup.
Strong for low forex (1%) and lounge access (16/year) · Weak for low base rewards (~0.3%)
16/year domestic lounge 1% forex markup
Good for
- International spenders
- Airport lounge users
Not ideal for
- Rewards-focused users
Spend context
- Estimated monthly rewards: ~₹130/month (base rewards)
- Fee waiver conditions unclear — verify
- Forex cost ~₹500 per ₹50k international spend
Approximate, based on base rates and current snapshot.
Annual fee
₹2,999
Lounge
16/year (domestic)
Domestic lounge available; international details not available.
Forex
1%
Low forex markup (1%).
Reward rate
1 pts/₹150
Below median base earn (0.3% vs ~1%).
Verified with issuer
View official source (opens in new tab)Lounge Access
- Domestic visits
- 16/year
- International visits
- Not included International details not available.
International Use
- Forex markup
- 1%
- Product tier
- Mid-tier
Fees
- Annual fee
- ₹2,999
- Joining fee
- ₹2,999
Rewards
- Points per ₹150
- 1 pts
- Point value
- ₹0.4
- Effective earn
- 0.3% (at stated point value)
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