- Annual fee ₹2,500 Waivable at ₹4,00,000 spend
- Forex markup 2%
- Domestic lounge 12/year (3 per quarter) Conditional · Domestic: 3/quarter · requires ₹60,000 spend in the previous calendar quarter
Pairwise comparison
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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- 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 card2.5 pts / ₹100 · Up to 12.5 pts / ₹100 on Marks & Spencer
Limited data5 pts / ₹150
Limited dataPick based on what matters
4 dimensionsStart 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 (4 per quarter)).
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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%.
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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 3 per quarter. Domestic lounge access is 4 per quarter.
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Rewards Tie Both cards are similar for rewards
HDFC Bank Regalia Gold conservative base value ~0.4% vs IDFC FIRST Bank Ashva Metal's ~0.8%. IDFC FIRST Bank Ashva Metal conservative base value ~0.8% vs HDFC Bank Regalia Gold's ~0.4%.
HDFC Bank Regalia Gold
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:
- IDFC First Bank Ashva Metal: ~₹420/month at base rate
- Regalia Gold: ~₹190/month at base rate
Illustrative only, using current base rates before caps.
Swipe for all fields
| 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 (4 per quarter) | 12/year (3 per quarter) | 16/year (4 per quarter) |
| International lounge visits 6/year vs 8/year | 6/year | 8/year |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 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 |
| 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. 2.5 pts / ₹100 vs 5 pts / ₹150 | 2.5 pts / ₹100 | 5 pts / ₹150 |
| Conservative base value ~0.4% vs ~0.8% | ~0.4% | ~0.8% |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹0.5 vs ₹0.25 | ₹0.5 | ₹0.25 |
Notes
- Some data has low confidence — verify with the issuer before relying on it.
- HDFC Regalia Gold Credit Card: Spend ₹60,000+ in the preceding calendar quarter to unlock 3 visits in the next quarter
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.