Axis Bank Select Credit Card vs IDFC FIRST Ashva Credit Card
Axis Bank · IDFC FIRST Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Axis BankScoreVery Good
Annual Fee₹3,000
Max Reward10%
IDFC FIRST BankScoreVery Good
Annual Fee₹2,999
Max Reward2.67%
Axis Bank Select Credit Card leads overall with a CardCheck Score of 79/100 (+3 pts over IDFC FIRST Ashva Credit Card).
4-Pillar Head-to-Head Breakdown
Axis vs IDFCReward Power
35%Axis35/35
IDFC24/35
Axis Wins
Fee Value & ROI
25%Axis18/25
IDFC18/25
Tie (18/25)
Lounge & Travel
20%Axis18/20
IDFC20/20
IDFC Wins
Forex & Access
20%Axis8/20
IDFC14/20
IDFC Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 79Best
- 76
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 35/35
- 24/35
- Fee Value & ROI (25%)
- 18/25
- 18/25
- Lounge & Travel (20%)
- 18/20
- 20/20
- Forex & Access (20%)
- 8/20
- 14/20
02—Basic Info
- Bank
- Axis Bank
- IDFC FIRST Bank
- Network
- Mastercard
- Visa
- Card type
- Premium
- Premium
- Best for
- Premium rewards with international lounge access
- Metal Visa Infinite — 1% forex, capped lounges (spend ₹20k/mo prior month), up to 60X RP on app travel
03—Fees
- Joining fee
- ₹3,000
- ₹2,999Best
- Annual fee
- ₹3,000
- ₹2,999Best
- Fee waiver
- ₹8,00,000
- ₹8,00,000
- Interest-free days
- —
- 46
04—Interest
- APR (min)
- 55.55%
- 8.5%Best
- APR (max)
- 55.55%
- 46.2%Best
- Late payment fee
- ₹1,200Best
- ₹1,300
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- points
- points
- Min rate
- 1%Best
- 0.83%
- Max rate
- 10%Best
- 2.67%
- Points / ₹100
- 5Best
- 0.67
- Point value
- ₹0.2
- ₹0.25
- Monthly cap
- ₹20,000
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 2
- 4Best
- Lounge spend criteria
- No spend condition
- No spend condition
- Intl lounge / year
- 12Best
- 8
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 1%Best
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹50,000
- —
- Invite only
Rows won
06of 12
06of 12
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 79Best | 76 |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 35/35 | 24/35 |
| Fee Value & ROI (25%) | 18/25 | 18/25 |
| Lounge & Travel (20%) | 18/20 | 20/20 |
| Forex & Access (20%) | 8/20 | 14/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | IDFC FIRST Bank |
| Network | Mastercard | Visa |
| Card type | Premium | Premium |
| Best for | Premium rewards with international lounge access | Metal Visa Infinite — 1% forex, capped lounges (spend ₹20k/mo prior month), up to 60X RP on app travel |
03—Fees Differences highlighted | ||
| Joining fee | ₹3,000 | ₹2,999Best |
| Annual fee | ₹3,000 | ₹2,999Best |
| Fee waiver | ₹8,00,000 | ₹8,00,000 |
| Interest-free days | — | 46 |
04—Interest Differences highlighted | ||
| APR (min) | 55.55% | 8.5%Best |
| APR (max) | 55.55% | 46.2%Best |
| Late payment fee | ₹1,200Best | ₹1,300 |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 1%Best | 0.83% |
| Max rate | 10%Best | 2.67% |
| Points / ₹100 | 5Best | 0.67 |
| Point value | ₹0.2 | ₹0.25 |
| Monthly cap | ₹20,000 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 2 | 4Best |
| Lounge spend criteria | No spend condition | No spend condition |
| Intl lounge / year | 12Best | 8 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 1%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹50,000 | — |
| Invite only | ||
| Rows won | 06of 12 | 06of 12 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Axis Bank Select Credit Card | IDFC FIRST Ashva Credit Card |
|---|---|---|
| CardCheck Score | 79/100Very Good | 76/100Very Good |
| Annual Fee | ₹3,000 | ₹2,999 |
| Fee Waiver Spend | ₹8L/yr | ₹8L/yr |
| Max Reward Potential | 10% | 2.67% |
| Domestic Lounge Access | 2 / quarter | 4 / quarter |
| International Lounge | 12 / year | 8 / year |
| Forex Markup Fee | 3.5% | 1% |
Choose Axis Bank Select Credit Card if:
Your spending centers around premium rewards with international lounge access and you want direct partner rewards with Axis Bank.
Choose IDFC FIRST Ashva Credit Card if:
Your spending aligns with metal visa infinite — 1% forex, capped lounges (spend ₹20k/mo prior month), up to 60x rp on app travel and you prioritize IDFC FIRST Bank's redemption benefits.
Popular Comparisons for Axis Bank Select Credit Card
Direct side-by-side MITC term matchups
Popular Comparisons for IDFC FIRST Ashva Credit Card
Direct side-by-side MITC term matchups
Frequently asked questions: Axis Bank Select Credit Card vs IDFC FIRST Ashva Credit Card
- Which is better: Axis Bank Select Credit Card or IDFC FIRST Ashva Credit Card?
- Axis Bank Select Credit Card holds a higher overall rating with a CardCheck Score of 79/100 (Very Good) compared to 76/100 (Very Good) for IDFC FIRST Ashva Credit Card (a lead of +3 points). Axis Bank Select Credit Card gains its scoring lead primarily through reward potential (35 vs 24) while tying on fee value & ROI.
- How do annual fees and fee waiver spend rules compare?
- Axis Bank Select Credit Card charges an annual fee of ₹3,000 with an annual spend threshold of ₹8 Lakh for renewal fee waiver. In comparison, IDFC FIRST Ashva Credit Card charges an annual fee of ₹2,999 with an annual spend threshold of ₹8 Lakh.
- How do the reward rates and cashback compare between Axis Bank Select Credit Card and IDFC FIRST Ashva Credit Card?
- Axis Bank Select Credit Card offers a base reward rate of 1% and up to 10% on accelerated partner categories. Meanwhile, IDFC FIRST Ashva Credit Card offers a base rate of 0.83% and up to 2.67% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: Axis Bank Select Credit Card or IDFC FIRST Ashva Credit Card?
- Axis Bank Select Credit Card provides 2 complimentary domestic lounge visits per quarter (8/year) and 12 international lounge visits/year with Priority Pass. On the other hand, IDFC FIRST Ashva Credit Card provides 4 complimentary domestic lounge visits per quarter (16/year) and 8 international lounge visits/year.
- Which card is better for international foreign currency spends?
- Axis Bank Select Credit Card levies a foreign currency markup fee of 3.5%, while IDFC FIRST Ashva Credit Card charges 1%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).