Which card has a lower forex fee: Axis Bank Primus Credit Card or IDFC First Bank Ashva Metal Credit Card?

Axis Bank Primus Credit Card has lower forex markup (0% vs 1%).

Which card has a lower annual fee: Axis Bank Primus Credit Card or IDFC First Bank Ashva Metal Credit Card?

IDFC First Bank Ashva Metal Credit Card has a lower annual fee (₹2,999 vs ₹3,00,000).

Which card offers better lounge access?

Axis Bank Primus Credit Card: Unlimited domestic lounge. IDFC First Bank Ashva Metal Credit Card: 16/year domestic lounge.

Which card has a higher base reward rate?

Axis Bank Primus Credit Card has higher base reward value (~1% vs ~0.17%).

Pairwise comparison Add another card →

Axis Bank Primus vs IDFC FIRST Bank Ashva Metal Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank Primus and the IDFC FIRST Bank Ashva Metal. Verify fees, lounge access, forex markup, and base rewards before you apply.

Travel Axis Bank Primus Forex Axis Bank Primus

Quick comparison

Three core metrics

Primus Axis Bank

Annual fee ₹3,00,000
Forex markup 0%
Domestic lounge Unlimited

Ashva Metal IDFC FIRST Bank

Annual fee ₹2,999
Forex markup 1%
Domestic lounge 16/year

Reward earning explained

Per card

Primus

1 pts / ₹100 on General spend

Limited data

Ashva Metal

1 pts / ₹150 on General spend

Pick based on what matters

6 dimensions

Start with the constraint you care about most: annual fee (Axis Bank Primus: ₹3,00,000 vs IDFC FIRST Bank Ashva Metal: ₹2,999), forex markup (0% vs 1%), or lounge access (Unlimited vs 16/year).

Travel Axis Bank Primus wins

Axis Bank Primus is better for travel

Axis Bank Primus is stronger here. Axis Bank Primus is cheaper for international spend (0% vs 1% forex).

Primus: Limited data Ashva Metal: Limited data
Forex markup Axis Bank Primus wins

Axis Bank Primus is better for forex

Axis Bank Primus is stronger here. Axis Bank Primus has a lower forex markup (0% vs 1%).

Primus: Limited data Ashva Metal: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is unlimited. Domestic lounge access is 16/year.

Primus: Limited data Ashva Metal: Limited data
Rewards Insufficient data

Insufficient data to compare rewards

Only Axis Bank Primus has comparable evidence here. Estimated base reward value is ~1% on base spend.

Primus: Limited data
Annual fee Insufficient data

Insufficient data to compare fees

Only Axis Bank Primus has comparable evidence here. Annual fee is ₹3,00,000.

Primus: Limited data Ashva Metal: Limited data
upi Tie

Both cards are similar for UPI usage

Visa network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Primus: ~₹500/month at base rate
IDFC First Bank Ashva Metal: ~₹80/month at base rate

Illustrative only, using current base rates before caps.

Field	Primus Axis Bank	Ashva Metal IDFC FIRST Bank
Lounge Access
Domestic lounge visits Unlimited vs 16/year	Unlimited	16/year
International lounge visits 24/year vs 8/year	24/year	8/year
Forex / International Use
Forex markup Source agreement differs — verify both. 0% vs 1%	0%	1%
Fees
Annual fee ₹3,00,000 vs ₹2,999	₹3,00,000	₹2,999
Joining fee ₹5,00,000 vs ₹2,999	₹5,00,000	₹2,999
Rewards
Reward points (base spend) 1 pts/₹100 vs 1 pts/₹150	1 pts/₹100	1 pts/₹150
Point cash value ₹1 vs ₹0.25	₹1	₹0.25

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.