- Annual fee ₹1,500 Waivable at ₹5,00,000 spend
- Forex markup 3.5%
- Domestic lounge 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the previous 3 calendar months
Pairwise comparison
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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- Annual fee ₹2,999
- Forex markup 1%
- Domestic lounge 16/year (4 per quarter) Conditional · 4/quarter · requires ₹20,000 spend in the previous month
Reward earning explained
Per card5 EDGE Miles / ₹100
5 pts / ₹150
Limited dataPick based on what matters
4 dimensionsStart 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 (2 per quarter) vs 16/year (4 per quarter)).
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Travel Insufficient data Insufficient data to compare travel
Only IDFC FIRST Bank Ashva Metal has comparable evidence here. Forex markup is 1%.
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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%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is 2 per quarter. Domestic lounge access is 4 per quarter.
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Rewards Tie Both cards are similar for rewards
Axis Bank Privilege conservative base value ~1% vs IDFC FIRST Bank Ashva Metal's ~0.8%. IDFC FIRST Bank Ashva Metal conservative base value ~0.8% vs Axis Bank Privilege's ~1%.
Axis Bank Privilege
Confidence: Low (limited information available)
Verify with issuer , opens external siteIDFC FIRST Bank Ashva Metal
Confidence: Low (limited information available)
Verify with issuer , opens external siteAll fields
Example usage at this monthly spend
At ₹50k/month spend:
- Privilege: ~₹500/month at base rate
- IDFC First Bank Ashva Metal: ~₹420/month at base rate
Illustrative only, using current base rates before caps.
Swipe for all fields
| Field | Privilege Axis Bank | Ashva Metal IDFC FIRST Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits 8/year (2 per quarter) vs 16/year (4 per quarter) | 8/year (2 per quarter) | 16/year (4 per quarter) |
| 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 |
| Interest-free period Up to 50 days vs Up to 45 days | Up to 50 days | Up to 45 days |
| Rewards | ||
| Base earn Some reward lanes are only partially modelled — base rate only for comparison. 5 EDGE Miles / ₹100 vs 5 pts / ₹150 | 5 EDGE Miles / ₹100 | 5 pts / ₹150 |
| Conservative base value ~1% vs ~0.8% | ~1% | ~0.8% |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹0.2 vs ₹0.25 | ₹0.2 | ₹0.25 |
| Point validity Only available for IDFC First Bank Ashva Metal | Not specified | 2 years |
Notes
- Some data has low confidence — verify with the issuer before relying on it.
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.