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Rubyx American Express vs IDFC First Bank Ashva Metal – Full comparison
Both cards verified with issuer
Rubyx American Express source IDFC First Bank Ashva Metal sourceForex costs are a key difference
Key differences
Best forex IDFC First Bank Ashva Metal 1%
Lowest fee Rubyx American Express ₹2,000
Best lounge IDFC First Bank Ashva Metal 16/year lounge
Spend context
At ₹50k/month spend:
- Rubyx American Express: ~₹250/month at base rate
- IDFC First Bank Ashva Metal: ~₹130/month at base rate
Approximate, based on base rates (before caps).
| Rubyx American Express ICICI | IDFC First Bank Ashva Metal IDFC | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits 2/quarter vs 16/year | 2/quarter | 16/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 |
| Fee waiver spend Only available for Rubyx American Express | ₹3,00,000 | Not clearly specified |
| Rewards | ||
| Reward points (base spend) 2 pts/₹100 vs 1 pts/₹150 | 2 pts/₹100 | 1 pts/₹150 |
| Point cash value ₹0.25 vs ₹0.4 | ₹0.25 | ₹0.4 |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Related compare links
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- IDFC First Bank Ashva Metal vs HPCL IDFC First Power+ IDFC vs IDFC
- IDFC First Bank Ashva Metal vs IDFC FIRST Millennia IDFC vs IDFC
- IDFC First Bank Ashva Metal vs IDFC FIRST Private Reserve IDFC vs IDFC
Important
Data is compiled from issuer and public sources. Always verify with the issuer before applying.