Which card has a lower forex fee: ICICI Bank Rubyx American Express Credit Card or IDFC First Bank Ashva Metal Credit Card?

IDFC First Bank Ashva Metal Credit Card has lower forex markup (1% vs 3.5%).

Which card has a lower annual fee: ICICI Bank Rubyx American Express Credit Card or IDFC First Bank Ashva Metal Credit Card?

ICICI Bank Rubyx American Express Credit Card has a lower annual fee (₹2,000 vs ₹2,999).

Which card offers better lounge access?

ICICI Bank Rubyx American Express Credit Card: 8/year domestic lounge. IDFC First Bank Ashva Metal Credit Card: 16/year domestic lounge.

Which card has a higher base reward rate?

ICICI Bank Rubyx American Express Credit Card has higher base reward value (~0.5% vs ~0.17%).

Pairwise comparison Add another card →

ICICI Bank Rubyx American Express vs IDFC FIRST Bank Ashva Metal Credit Cards – Fees, Lounge, Forex

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

Forex IDFC FIRST Bank Ashva Metal

Quick comparison

Three core metrics

Rubyx American Express ICICI Bank

Annual fee ₹2,000
Forex markup 3.5%
Domestic lounge 8/year

Ashva Metal IDFC FIRST Bank

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

Reward earning explained

Per card

Rubyx American Express

2 pts / ₹100 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 (ICICI Bank Rubyx American Express: ₹2,000 vs IDFC FIRST Bank Ashva Metal: ₹2,999), forex markup (3.5% vs 1%), or lounge access (8/year vs 16/year).

Travel Insufficient data

Insufficient data to compare travel

Only IDFC FIRST Bank Ashva Metal has comparable evidence here. Forex markup is 1%.

Rubyx American Express: 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%.

Rubyx American Express: Limited data Ashva Metal: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 8/year. Domestic lounge access is 16/year.

Rubyx American Express: Limited data Ashva Metal: Limited data
upi Tie

Both cards are similar for UPI usage

American Express network does not support UPI payments. Visa network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Rubyx American Express: ~₹250/month at base rate
IDFC First Bank Ashva Metal: ~₹80/month at base rate

Illustrative only, using current base rates before caps.

Field	Rubyx American Express ICICI Bank	Ashva Metal IDFC FIRST Bank
Lounge Access
Domestic lounge visits 8/year vs 16/year	8/year	16/year
International lounge visits 2/year vs 8/year	2/year	8/year
Forex / International Use
Forex markup Source agreement differs — verify both. 3.5% vs 1%	3.5%	1%
Fees
Annual fee ₹2,000 vs ₹2,999	₹2,000	₹2,999
Joining fee ₹3,000 vs ₹2,999	₹3,000	₹2,999
Rewards
Reward points (base spend) 2 pts/₹100 vs 1 pts/₹150	2 pts/₹100	1 pts/₹150
Point cash value	₹0.25	₹0.25

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.