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

IDFC First Bank Ashva Metal Credit Card has lower forex markup (1% vs 3.5%).

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

Axis Bank Privilege Credit Card has a lower annual fee (₹1,500 vs ₹2,999).

Which card offers better lounge access?

Axis Bank Privilege Credit Card: 8/year domestic lounge. IDFC First Bank Ashva Metal Credit Card: 16/year domestic lounge.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Add another card →

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

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

Forex IDFC FIRST Bank Ashva Metal

Quick comparison

Three core metrics

Privilege Axis Bank

Annual fee ₹1,500 Waivable at ₹5,00,000 spend
Forex markup 3.5%
Domestic lounge 8/year

Ashva Metal IDFC FIRST Bank

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

Reward earning explained

Per card

Privilege

Base rewards on regular spend

Ashva Metal

1 pts / ₹150 on General spend

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (Axis Bank Privilege: ₹1,500 vs IDFC FIRST Bank Ashva Metal: ₹2,999), forex markup (3.5% vs 1%), or lounge access (8/year vs 16/year).

Travel Insufficient data

Insufficient data to compare travel

Only IDFC FIRST Bank Ashva Metal has comparable evidence here. Forex markup is 1%.

Privilege: Limited data Ashva Metal: Limited data
Forex markup IDFC FIRST Bank Ashva Metal wins

IDFC FIRST Bank Ashva Metal is better for forex

IDFC FIRST Bank Ashva Metal is stronger here. Forex markup is 1%.

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

Both cards are similar for lounge access

Domestic lounge access is 8/year. Domestic lounge access is 16/year.

Privilege: 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:

IDFC First Bank Ashva Metal: ~₹80/month at base rate
Privilege: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field	Privilege Axis Bank	Ashva Metal IDFC FIRST Bank
Lounge Access
Domestic lounge visits 8/year vs 16/year	8/year	16/year
International lounge visits Only available for IDFC First Bank Ashva Metal	Not specified	8/year
Forex / International Use
Forex markup Source agreement differs — verify both. 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
Fee waiver spend Only available for Privilege	₹5,00,000	Not specified
Rewards
Points per ₹150 Only available for IDFC First Bank Ashva Metal	Not specified	1 pts
Point cash value ₹0.2 vs ₹0.25	₹0.2	₹0.25

Notes

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