Which card has a lower forex fee: IDFC First Bank Ashva Metal Credit Card or Kotak Zen Signature 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 Kotak Zen Signature Credit Card?

Kotak Zen Signature Credit Card has a lower annual fee (₹1,500 vs ₹2,999).

Which card offers better lounge access?

IDFC First Bank Ashva Metal Credit Card: 16/year domestic lounge. Kotak Zen Signature Credit Card: 8/year domestic lounge.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Add another card →

IDFC FIRST Bank Ashva Metal vs Kotak Mahindra Bank Zen Signature Credit Cards – Fees, Lounge, Forex

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

Forex IDFC FIRST Bank Ashva Metal

Quick comparison

Three core metrics

Ashva Metal IDFC FIRST Bank

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

Zen Signature Kotak Mahindra Bank

Annual fee ₹1,500 Waivable at ₹1,50,000 spend
Forex markup 3.5%
Domestic lounge 8/year

Reward earning explained

Per card

Ashva Metal

1 pts / ₹150 on General spend

Zen Signature

8 pts / ₹150 on General spend

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (IDFC FIRST Bank Ashva Metal: ₹2,999 vs Kotak Mahindra Bank Zen Signature: ₹1,500), forex markup (1% vs 3.5%), or lounge access (16/year vs 8/year).

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 Zen Signature: 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%.

Ashva Metal: Limited data Zen Signature: Limited data
Lounge access Tie

Both cards are similar for lounge access

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

Ashva Metal: Limited data Zen Signature: 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:

IDFC First Bank Ashva Metal: ~₹80/month at base rate
Kotak Zen Signature: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field	Ashva Metal IDFC FIRST Bank	Zen Signature Kotak Mahindra Bank
Lounge Access
Domestic lounge visits 16/year vs 8/year	16/year	8/year
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 vs ₹1,500	₹2,999	₹1,500
Joining fee ₹2,999 vs ₹1,500	₹2,999	₹1,500
Fee waiver spend Only available for Kotak Zen Signature	Not specified	₹1,50,000
Rewards
Points per ₹150 1 pts vs 8 pts	1 pts	8 pts
Point cash value Only available for IDFC First Bank Ashva Metal	₹0.25	Not specified

Notes

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