2.5 pts / ₹100 · 12.5 points/₹100 on eligible marks & Spencer, myntra, nykaa, and reliance Digital
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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.
The short answer
VerdictPick Ashva Metal for travel, spending abroad and lounge access.
Head-to-head
Three core metrics- Annual fee Regalia Gold saves ₹499/yrRegalia Gold ₹2,500 Waivable at ₹4,00,000 or more spendAshva Metal ₹2,999 Annual-fee waiver not offered
- Forex markup Ashva Metal saves ~₹1,000 per ₹1L abroadRegalia Gold 2%Ashva Metal 1%
- Domestic lounge Ashva Metal: +4 lounge visits/yrRegalia Gold 12/year (3 per quarter) Conditional · Domestic: 3/quarter · requires ₹60,000 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)
Reward earning explained
Per card5 pts / ₹150
Strong 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 IDFC FIRST Bank Ashva Metal wins IDFC FIRST Bank Ashva Metal is better for lounge access
IDFC FIRST Bank Ashva Metal is stronger here. IDFC FIRST Bank Ashva Metal offers 16 domestic lounge visits per year versus 12.
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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%.
All 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.
| Field | Regalia Gold HDFC Bank | Ashva Metal IDFC FIRST Bank |
|---|---|---|
| Insurance — Air accident cover | ₹1 crore | ₹1 crore |
| Insurance — Emergency medical cover Only available for Regalia Gold | ₹15 lakh | Not specified |
| Insurance — Personal accident cover Only available for IDFC First Bank Ashva Metal | Not specified | ₹10 lakh |
| Insurance — Lost card liability cover ₹9 lakh vs ₹50,000 | ₹9 lakh | ₹50,000 |
| Insurance — Underwriter Insured by HDFC ERGO General Insurance Company Limited vs Insured by New India Assurance | Insured by HDFC ERGO General Insurance Company Limited | Insured by New India Assurance |
| 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 per year vs 2 per quarter | 6 per year | 2 per quarter |
| Forex / International Use | ||
| Forex markup 2% vs 1% | 2% | 1% |
| Fees | ||
| Recurring annual fee ₹2,500 vs ₹2,999 | ₹2,500 | ₹2,999 |
| First-year cost Only available for Regalia Gold | ₹2,500 | Not specified |
| Annual-fee waiver ₹4,00,000 or more vs Not offered | ₹4,00,000 or more | Not offered |
| Interest-free period Up to 50 days vs Up to 45 days | Up to 50 days | Up to 45 days |
| Late-payment charge Only available for Regalia Gold | ₹100–₹1,300 depending on outstanding balance | Not specified |
| Fuel benefit 1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap · Fuel rewards excluded vs 1% surcharge waiver · ₹200–₹5,000 transactions · ₹300/month waiver cap | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap · Fuel rewards excluded | 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. 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% |
| Earn ceiling 50,000 points per statement cycle; at 2.5 pts / ₹100, this lane reaches the cap at ₹20,00,000 of eligible spend 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 | 50,000 points per statement cycle; at 2.5 pts / ₹100, this lane reaches the cap at ₹20,00,000 of eligible spend | 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. ₹0.5 vs ₹0.25 | ₹0.5 | ₹0.25 |
Notes
- HDFC Regalia Gold Credit Card: Condition: ₹60,000 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.
HDFC Bank Regalia Gold
Verify with issuer , opens external siteIDFC FIRST Bank Ashva Metal
Verify with issuer , opens external site