IDFC FIRST Ashva Credit Card vs Club Vistara SBI Card PRIME
IDFC FIRST Bank · SBI Card — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
IDFC FIRST BankScoreExcellent
Annual Fee₹2,999
Max Reward16%
SBI CardScoreBasic
Annual Fee₹2,999
Max RewardStandard
IDFC FIRST Ashva Credit Card leads overall with a CardCheck Score of 87/100 (+46 pts over Club Vistara SBI Card PRIME).
4-Pillar Head-to-Head Breakdown
IDFC vs ClubReward Power
35%IDFC35/35
Club15/35
IDFC Wins
Fee Value & ROI
25%IDFC18/25
Club14/25
IDFC Wins
Lounge & Travel
20%IDFC20/20
Club4/20
IDFC Wins
Forex & Access
20%IDFC14/20
Club8/20
IDFC Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 87Best
- 41
- Rating Verdict
- Excellent
- Basic
- Reward Power (35%)
- 35/35
- 15/35
- Fee Value & ROI (25%)
- 18/25
- 14/25
- Lounge & Travel (20%)
- 20/20
- 4/20
- Forex & Access (20%)
- 14/20
- 8/20
02—Basic Info
- Bank
- IDFC FIRST Bank
- SBI Card
- Network
- Visa
- —
- Card type
- Premium
- Co-branded
- Best for
- Metal Visa Infinite — 1% forex, capped lounges (spend ₹20k/mo prior month), up to 60X RP on app travel
- Vistara flyers
03—Fees
- Joining fee
- ₹2,999
- ₹2,999
- Annual fee
- ₹2,999
- ₹2,999
- Fee waiver
- —
- ₹3,00,000
- Interest-free days
- 45
- —
04—Interest
- APR (min)
- 8.5%
- —
- APR (max)
- 46.2%
- —
- Late payment fee
- ₹1,300
- —
05—Rewards
- Reward type
- points
- —
- Min rate
- 0.17%
- —
- Max rate
- 16%
- —
- Points / ₹100
- 0.67
- —
- Point value
- ₹0.4
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 4
- —
- Intl lounge / year
- 8
- —
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 1%
- —
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 18
- —
- Min CIBIL
- 750
- —
- Invite only
Rows won
01of 01
00of 01
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 87Best | 41 |
| Rating Verdict | Excellent | Basic |
| Reward Power (35%) | 35/35 | 15/35 |
| Fee Value & ROI (25%) | 18/25 | 14/25 |
| Lounge & Travel (20%) | 20/20 | 4/20 |
| Forex & Access (20%) | 14/20 | 8/20 |
02—Basic Info Differences highlighted | ||
| Bank | IDFC FIRST Bank | SBI Card |
| Network | Visa | — |
| Card type | Premium | Co-branded |
| Best for | Metal Visa Infinite — 1% forex, capped lounges (spend ₹20k/mo prior month), up to 60X RP on app travel | Vistara flyers |
03—Fees Differences highlighted | ||
| Joining fee | ₹2,999 | ₹2,999 |
| Annual fee | ₹2,999 | ₹2,999 |
| Fee waiver | — | ₹3,00,000 |
| Interest-free days | 45 | — |
04—Interest Differences highlighted | ||
| APR (min) | 8.5% | — |
| APR (max) | 46.2% | — |
| Late payment fee | ₹1,300 | — |
05—Rewards Differences highlighted | ||
| Reward type | points | — |
| Min rate | 0.17% | — |
| Max rate | 16% | — |
| Points / ₹100 | 0.67 | — |
| Point value | ₹0.4 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 4 | — |
| Intl lounge / year | 8 | — |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 1% | — |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 18 | — |
| Min CIBIL | 750 | — |
| Invite only | ||
| Rows won | 01of 01 | 00of 01 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | IDFC FIRST Ashva Credit Card | Club Vistara SBI Card PRIME |
|---|---|---|
| CardCheck Score | 87/100Excellent | 41/100Basic |
| Annual Fee | ₹2,999 | ₹2,999 |
| Fee Waiver Spend | No waiver | ₹3L/yr |
| Max Reward Potential | 16% | Standard |
| Domestic Lounge Access | 4 / quarter | Check terms |
| International Lounge | 8 / year | None |
| Forex Markup Fee | 1% | 3.5% |
Choose IDFC FIRST Ashva Credit Card if:
Your spending centers around metal visa infinite — 1% forex, capped lounges (spend ₹20k/mo prior month), up to 60x rp on app travel and you want direct partner rewards with IDFC FIRST Bank.
Choose Club Vistara SBI Card PRIME if:
Your spending aligns with vistara flyers and you prioritize SBI Card's redemption benefits.
Frequently asked questions: IDFC FIRST Ashva Credit Card vs Club Vistara SBI Card PRIME
- Which is better: IDFC FIRST Ashva Credit Card or Club Vistara SBI Card PRIME?
- IDFC FIRST Ashva Credit Card holds a higher overall rating with a CardCheck Score of 87/100 (Excellent) compared to 41/100 (Basic) for Club Vistara SBI Card PRIME (a lead of +46 points). IDFC FIRST Ashva Credit Card is classified in our Elite tier due to superior spend returns and comprehensive travel perks.
- How do annual fees and fee waiver spend rules compare?
- IDFC FIRST Ashva Credit Card charges an annual fee of ₹2,999 with no official annual spend waiver milestone for renewal fee waiver. In comparison, Club Vistara SBI Card PRIME charges an annual fee of ₹2,999 with an annual spend threshold of ₹3 Lakh.
- How do the reward rates and cashback compare between IDFC FIRST Ashva Credit Card and Club Vistara SBI Card PRIME?
- IDFC FIRST Ashva Credit Card offers a base reward rate of 0.17% and up to 16% on accelerated partner categories. Meanwhile, Club Vistara SBI Card PRIME offers a base rate of standard and up to accelerated on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: IDFC FIRST Ashva Credit Card or Club Vistara SBI Card PRIME?
- IDFC FIRST Ashva Credit Card provides 4 domestic lounge visit(s) per quarter and 8 international lounge visit(s)/yr. On the other hand, Club Vistara SBI Card PRIME provides standard lounge access terms subject to bank quarterly spend criteria. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- IDFC FIRST Ashva Credit Card levies a foreign currency markup fee of 1%, while Club Vistara SBI Card PRIME charges 3.50%. 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).