Which card has a lower forex fee: IDFC First Bank Ashva Metal Credit Card or IndusInd Bank EazyDiner Credit Card?

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

Which card has a lower annual fee: IDFC First Bank Ashva Metal Credit Card or IndusInd Bank EazyDiner Credit Card?

Both cards have the same annual fee (₹2,999).

Which card offers better lounge access?

IDFC First Bank Ashva Metal Credit Card: 4 per quarter domestic lounge. IndusInd Bank EazyDiner Credit Card: No complimentary lounge access.

Which card has a higher base reward rate?

IDFC First Bank Ashva Metal Credit Card has higher base reward value (~1.67% vs ~0.4%).

Pairwise comparison Compare 3+ cards →

IDFC FIRST Bank Ashva Metal vs IndusInd Bank EazyDiner Credit Cards – Fees, Lounge, Forex

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

Forex IDFC FIRST Bank Ashva Metal Lounge IDFC FIRST Bank Ashva Metal

Quick comparison

Three core metrics

Ashva Metal IDFC FIRST Bank

Annual fee ₹2,999
Forex markup 1%
Domestic lounge 4/quarter Conditional · 4/quarter · requires ₹20,000 spend in the previous month

EazyDiner IndusInd Bank

Annual fee ₹2,999
Forex markup 3.5%
Domestic lounge No complimentary lounge access

Reward earning explained

Per card

Ashva Metal

10 pts / ₹150 on General spend — Above ₹20,000 per cycle + 5 pts / ₹150 on Gene…

EazyDiner

10 pts / ₹100 on Travel Hotel Shopping Entertainment + 4 pts / ₹100 on General…

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (IDFC FIRST Bank Ashva Metal: ₹2,999 vs IndusInd Bank EazyDiner: ₹2,999), forex markup (1% vs 3.5%), or lounge access (4/quarter vs No complimentary lounge access).

Travel Insufficient data

Insufficient data to compare travel

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

Ashva Metal: Limited data EazyDiner: 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%.
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. Domestic lounge access is 4 per quarter.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

IDFC First Bank Ashva Metal: ~₹830/month at base rate
IndusInd Bank EazyDiner: ~₹200/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Ashva Metal IDFC FIRST Bank	EazyDiner IndusInd Bank
Lounge Access
Domestic lounge visits 4/quarter vs No complimentary lounge access	4/quarter	No complimentary lounge access
International lounge visits Only available for IDFC First Bank Ashva Metal	8/year	Not specified
Forex / International Use
Forex markup Source agreement differs — verify both. 1% vs 3.5%	1%	3.5%
Fees
Annual fee	₹2,999	₹2,999
Joining fee	₹2,999	₹2,999
Interest-free period Only available for IDFC First Bank Ashva Metal	Up to 45 days	Not specified
Rewards
Reward points (base spend) 10 pts/₹150 vs 4 pts/₹100	10 pts/₹150	4 pts/₹100
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹0.25 vs ₹0.1	₹0.25	₹0.1
Point validity Only available for IDFC First Bank Ashva Metal	2 years	Not specified

Notes

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