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Privilege vs IDFC First Bank Ashva Metal – Full comparison

Both cards verified with issuer

Privilege source IDFC First Bank Ashva Metal source

Forex costs are a key difference

Key differences

Best forex IDFC First Bank Ashva Metal 1%
Lowest fee Privilege ₹1,500
Best lounge IDFC First Bank Ashva Metal 16/year lounge

Spend context

At ₹50k/month spend:

  • Privilege: ~₹1,600/month at base rate
  • IDFC First Bank Ashva Metal: ~₹130/month at base rate

Approximate, based on base rates (before caps).

Privilege AXIS IDFC First Bank Ashva Metal IDFC
Lounge Access
Domestic lounge visits
8/year vs 16/year
8/year 16/year
Forex / International Use
Forex markup
3.5% vs 1%
3.5% 1%
Fees
Annual fee
₹1,500 vs ₹2,999
₹1,500 ₹2,999
Joining fee
₹1,500 vs ₹2,999
₹1,500 ₹2,999
Rewards
Reward points (base spend)
16 pts/₹100 vs 1 pts/₹150
16 pts/₹100 1 pts/₹150
Point cash value
₹0.2 vs ₹0.4
₹0.2 ₹0.4

Notes

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

Data is compiled from issuer and public sources. Always verify with the issuer before applying.