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

IDFC First Bank Ashva Metal Credit Card has lower forex markup (1% vs 2%).

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

BOBCARD Tiara Credit Card has a lower annual fee (₹2,499 vs ₹2,999).

Which card offers better lounge access?

BOBCARD Tiara Credit Card: Unlimited domestic lounge access. IDFC First Bank Ashva Metal Credit Card: 4 per quarter 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 Compare 3+ cards →

BOBCARD Tiara vs IDFC FIRST Bank Ashva Metal Credit Cards – Fees, Lounge, Forex

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

Travel IDFC FIRST Bank Ashva Metal Forex IDFC FIRST Bank Ashva Metal

Quick comparison

Three core metrics

Tiara BOBCARD

Annual fee ₹2,499 Waivable at ₹2,50,000 spend
Forex markup 2%
Domestic lounge Unlimited Conditional · Domestic: Unlimited · requires ₹40,000 spend in the previous calendar quarter

Ashva Metal IDFC FIRST Bank

Annual fee ₹2,999
Forex markup 1%
Domestic lounge 4/quarter Conditional · 4/quarter · requires ₹20,000 spend in the previous month

Reward earning explained

Per card

Tiara

3 pts / ₹100 on General spend

Ashva Metal

10 pts / ₹150 on General spend — Above ₹20,000 per cycle + 5 pts / ₹150 on Gene…

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (BOBCARD Tiara: ₹2,499 vs IDFC FIRST Bank Ashva Metal: ₹2,999), forex markup (2% vs 1%), or lounge access (Unlimited vs 4/quarter).

Travel IDFC FIRST Bank Ashva Metal wins

IDFC FIRST Bank Ashva Metal is better for travel

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

Both cards are similar for lounge access

Domestic lounge access is unlimited. Domestic lounge access is 4 per quarter.
Rewards Insufficient data

Insufficient data to compare rewards

Only BOBCARD Tiara has comparable evidence here. Base earn is 3 pts per ₹100.

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

IDFC First Bank Ashva Metal: ~₹830/month at base rate
BOBCARD Tiara: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Tiara BOBCARD	Ashva Metal IDFC FIRST Bank
Lounge Access
Domestic lounge visits Unlimited vs 4/quarter	Unlimited	4/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. 2% vs 1%	2%	1%
Fees
Annual fee ₹2,499 vs ₹2,999	₹2,499	₹2,999
Joining fee ₹2,499 vs ₹2,999	₹2,499	₹2,999
Fee waiver spend Only available for BOBCARD Tiara	₹2,50,000	Not specified
Interest-free period Up to 50 days vs Up to 45 days	Up to 50 days	Up to 45 days
Rewards
Reward points (base spend) 3 pts/₹100 vs 10 pts/₹150	3 pts/₹100	10 pts/₹150
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for IDFC First Bank Ashva Metal	Not specified	₹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.