Which card has a lower forex fee: HDFC Regalia Gold 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: HDFC Regalia Gold Credit Card or IDFC First Bank Ashva Metal Credit Card?

HDFC Regalia Gold Credit Card has a lower annual fee (₹2,500 vs ₹2,999).

Which card offers better lounge access?

HDFC Regalia Gold Credit Card: 12/year domestic lounge (3 per quarter). IDFC First Bank Ashva Metal Credit Card: 16/year domestic lounge.

Which card has a higher base reward rate?

HDFC Regalia Gold Credit Card has higher base reward value (~0.67% vs ~0.17%).

Pairwise comparison Add another card →

HDFC Bank Regalia Gold vs IDFC FIRST Bank Ashva Metal Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the HDFC Bank Regalia Gold 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

Regalia Gold HDFC Bank

Annual fee ₹2,500 Waivable at ₹4,00,000 spend
Forex markup 2%
Domestic lounge 12/year (3 per quarter) Conditional · Spend-gated in current HDFC policy; verify live eligibility in bank app

Ashva Metal IDFC FIRST Bank

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

Reward earning explained

Per card

Regalia Gold

4 pts / ₹150 on General 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 (HDFC Bank Regalia Gold: ₹2,500 vs IDFC FIRST Bank Ashva Metal: ₹2,999), forex markup (2% vs 1%), or lounge access (12/year (3 per quarter) vs 16/year).

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%.

Regalia Gold: 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%.

Regalia Gold: Limited data Ashva Metal: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 12/year (3 per quarter). Domestic lounge access is 16/year.

Regalia Gold: 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:

Regalia Gold: ~₹330/month at base rate
IDFC First Bank Ashva Metal: ~₹80/month at base rate

Illustrative only, using current base rates before caps.

Field	Regalia Gold HDFC Bank	Ashva Metal IDFC FIRST Bank
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats 12/year (3 per quarter) vs 16/year	12/year (3 per quarter)	16/year
International lounge visits 6/year vs 8/year	6/year	8/year
Forex / International Use
Forex markup 2% vs 1%	2%	1%
Fees
Annual fee ₹2,500 vs ₹2,999	₹2,500	₹2,999
Joining fee ₹2,500 vs ₹2,999	₹2,500	₹2,999
Fee waiver spend Only available for Regalia Gold	₹4,00,000	Not specified
Rewards
Points per ₹150 4 pts vs 1 pts	4 pts	1 pts
Point cash value	₹0.25	₹0.25

Notes

HDFC Regalia Gold Credit Card: Spend-gated in current HDFC policy; verify live eligibility in bank app
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.