IDFC
IDFC FIRST Bank Ashva Metal Credit Card
Mid-tier card · 16/year domestic lounge · 1% forex markup.
- Good for travel 1% forex · 16 lounge/year
- Low forex 1% forex markup
- Strong lounge access 16 lounge visits per year
Annual fee ₹2,999 per year
Forex markup 1% low
Lounge access 16 visits / year
Rewards / ₹100 0.7 pts base
At a glance
Snapshot · usage · fitFast facts
- Annual fee
- ₹2,999
- Joining fee
- ₹2,999
- Forex markup
- 1%
- Lounge access
- 16/year domestic lounge
- Reward rate
- 0.7 pts / ₹100
What you'd do with it
- Works best for travelers who need around 16 domestic lounge visits a year.
- Useful for international travel spending because forex markup is kept to 1%.
Best for
- Good for travel
- Low forex
- Strong lounge access
Still worth it?
Evidence-backed snapshotGood fit if
- Forex markup is low at 1%.
- Lounge access is on file.
Watch out for
- Reward value is not fully resolved in the current snapshot.
- One or more decision fields have source disagreement; verify before applying.
Verify before applying
- Welcome benefit timing and claim process.
- Lounge spend criteria, guest rules, and visit caps.
- Annual fee waiver terms and eligible spend exclusions.
- Issuer fees, GST, finance charges, and late-payment terms.
- Reward exclusions, caps, redemption value, and voucher timelines.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: ~330 pts/month (base earn)
- Fee waiver conditions unclear — verify
- Forex cost ~₹500 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic visits
- 16/year
- International visits
- 8/year
Rewards
- Points per ₹150
- 1 pts
Fees & charges
Fees
- Annual fee
- ₹2,999
- Joining fee
- ₹2,999
International Use
- Forex markup
- 1%
- Product tier
- Mid-tier
Annual fee break-even math
When does this card pay for itself ₹18L
yearly spend to offset ₹2,999 fee
At base earn rates, you need roughly ₹18L in yearly spend to offset the ₹2,999 annual fee.
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · sources · last refresh- Card facts refreshed on 5 June 2026.
- Annual fee on file: ₹2,999.
- Forex markup currently listed at 1%.
- 16/year domestic lounge is on file in the latest refinery snapshot.