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 annual fee vs ₹2,999 annual fee).

Which card offers better lounge access?

BOBCARD Tiara Credit Card: Unlimited domestic lounge access. IDFC First Bank Ashva Metal Credit Card: 4 domestic + 2 international lounge visits/quarter.

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.

Tiara

Ashva Metal

The short answer

Verdict

Pick Tiara for lounge access.

Pick Ashva Metal for travel and spending abroad.

Head-to-head

Three core metrics

Annual fee

Tiara ₹2,499 Waivable at ₹2,50,000 spend

Ashva Metal ₹2,999 Annual-fee waiver not offered

Tiara saves ₹500/yr
Forex markup

Tiara 2%

Ashva Metal 1%

Ashva Metal saves ~₹1,000 per ₹1L abroad
Domestic lounge

Tiara Unlimited Conditional · Domestic: Unlimited · requires ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)

Ashva Metal 16/year (4 per quarter) Conditional · 4/quarter · requires ₹20,000 spend in the previous month (unlocks the following month)

Tiara has unlimited domestic visits

Reward earning explained

Per card

Tiara

3 pts / ₹100

Limited data

Ashva Metal

5 pts / ₹150

Strong data

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 16/year (4 per 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 BOBCARD Tiara wins

BOBCARD Tiara is better for lounge access

BOBCARD Tiara is stronger here. BOBCARD Tiara offers unlimited domestic lounge visits versus 16 per year.
Rewards Insufficient data

Insufficient data to compare rewards

Available evidence is incomplete: BOBCARD Tiara is not safely INR-comparable (no usable point value). IDFC FIRST Bank Ashva Metal conservative base value ~0.8333333333333334% per ₹100.

Tiara: Limited data Ashva Metal: Strong data

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

IDFC First Bank Ashva Metal: ~₹420/month at base rate
BOBCARD Tiara: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field	Tiara BOBCARD	Ashva Metal IDFC FIRST Bank
Insurance — Air accident cover Only available for IDFC First Bank Ashva Metal	Not specified	₹1 crore
Insurance — Personal accident cover Only available for IDFC First Bank Ashva Metal	Not specified	₹10 lakh
Insurance — Lost card liability cover Only available for IDFC First Bank Ashva Metal	Not specified	₹50,000
Insurance — Underwriter Only available for IDFC First Bank Ashva Metal	Not specified	Insured by New India Assurance
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats Unlimited vs 16/year (4 per quarter)	Unlimited	16/year (4 per quarter)
International lounge visits Only available for IDFC First Bank Ashva Metal	Not specified	2 per quarter
Forex / International Use
Forex markup 2% vs 1%	2%	1%
Fees
Recurring annual fee ₹2,499 vs ₹2,999	₹2,499	₹2,999
Annual-fee waiver ₹2,50,000 vs Not offered	₹2,50,000	Not offered
Interest-free period Up to 50 days vs Up to 45 days	Up to 50 days	Up to 45 days
Monthly interest rate Only available for BOBCARD Tiara	3.75% / month	Not specified
Fuel benefit Surcharge waiver available · ₹400–₹5,000 transactions · ₹250/month waiver cap vs 1% surcharge waiver · ₹200–₹5,000 transactions · ₹300/month waiver cap	Surcharge waiver available · ₹400–₹5,000 transactions · ₹250/month waiver cap	1% surcharge waiver · ₹200–₹5,000 transactions · ₹300/month waiver cap
Rewards
Base earn Some reward lanes are only partially modelled — base rate only for comparison. 3 pts / ₹100 vs 5 pts / ₹150	3 pts / ₹100	5 pts / ₹150
Conservative base value Not safely INR-comparable vs ~0.8%	Not safely INR-comparable	~0.8%
Earn ceiling Not stated vs Rewards apply only to spend up to your credit limit each statement cycle — shared across General spend, Education, Government services, Rent, Wallet loads, FASTag, Insurance, Railways & Utilities	Not stated	Rewards apply only to spend up to your credit limit each statement cycle — shared across General spend, Education, Government services, Rent, Wallet loads, FASTag, Insurance, Railways & Utilities
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

BOBCARD Tiara Credit Card: Condition: ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
IDFC First Bank Ashva Metal Credit Card: Condition: ₹20,000 spend in the previous month (unlocks the following month)
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

BOBCARD Tiara

IDFC FIRST Bank Ashva Metal

Verify with issuer