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IDFC First Bank Ashva Metal Credit Card VS RBL World Safari Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 25 July 2026

Both RBL World Safari Credit Card and IDFC First Bank Ashva Metal Credit Card suit travel-focused spenders, but they earn and cost differently. RBL World Safari Credit Card costs ₹3,000 + GST and earns 5 Travel Points on every ₹100 spent on travel; 2 Travel Points on every ₹100 on other domestic retail spends. IDFC First Bank Ashva Metal Credit Card costs ₹2,999 + GST and earns 10X Reward Points/₹150 on incremental spends above ₹20,000 monthly. RBL World Safari Credit Card also brings 2 complimentary airport lounge accesses within India per quarter on ₹35,000 spend in previous quarter, while IDFC First Bank Ashva Metal Credit Card counters with 4 complimentary visits each quarter at select airport lounges across India. If international spends spending matters more, go with RBL World Safari Credit Card; if premium is the priority, IDFC First Bank Ashva Metal Credit Card fits better.

IDFC First Bank Ashva Metal Credit Card
IDFC First Bank Ashva Metal Credit Card
RBL World Safari Credit Card
RBL World Safari Credit Card

Fees & Charges

Joining Fee₹2,999 + GST
Joining Fee₹3,000 + GST
Renewal Fee₹2,999 + GST
Renewal Fee₹3,000 + GST
Spend Based Waiver
Spend Based WaiverNil
Foreign Transaction Fees1% on international transactions.
Foreign Transaction FeesNil (0% markup on international spending).
Interest Rate (APR)Up to 46.2% Annually.
Interest Rate (APR)3.99% per month (equivalent to 47.88% per annum).

Rewards & Benefits

Welcome BonusEarn up to 7,500 Reward Points, valued at up to ₹3,000, on joining and meeting spend criteria.
Welcome BonusReceive a MakeMyTrip voucher worth ₹3,000 as a welcome gift.
Rewards RateEarn 10X Reward Points/₹150 on incremental spends above ₹20,000 monthly.
Rewards RateEarn 5 Travel Points on every ₹100 spent on travel; 2 Travel Points on every ₹100 on other domestic retail spends.
Reward TypeReward Points, Other Benefits
Reward TypeAir Miles
Reward Redemption Fee₹99 + GST per redemption transaction.
Reward Redemption Fee₹99 + GST (a one-time fee charged for redemptions made in a single day).

Travel & Lifestyle

Domestic Lounge Access4 complimentary visits each quarter at select airport lounges across India.
Domestic Lounge Access2 complimentary airport lounge accesses within India per quarter on ₹35,000 spend in previous quarter.
International Lounge Access2 complimentary visits each quarter to lounges at select international airports.
International Lounge Access2 complimentary international lounge visits per year via Priority Pass; 1 additional per quarter on ₹50,000 spend.
Travel BenefitsFree trip cancellation, discounts on hotels, airport meet & greet, and transfer services.
Travel BenefitsZero foreign currency markup, complimentary travel insurance, and extensive lounge access.
Movie BenefitsBuy One Get One free movie tickets (up to ₹400 off, twice monthly) via District App.
Movie Benefits
Dining BenefitsUp to 20% off total bill at participating restaurants with Visa Infinite dining discounts.
Dining Benefits
Golf Benefits2 complimentary golf lessons or rounds each month, based on spend.
Golf Benefits4 complimentary rounds of green fee and 4 golf lessons annually; 50% discount after complimentary visits.
Fuel Surcharge Waiver1% waiver up to ₹300/cycle on transactions between ₹200 and ₹5,000.
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions between ₹500-₹4,000, max ₹250/month.

Security & Other

Insurance BenefitsCovers card liability, personal accident, credit shield, purchase protection, and travel.
Insurance BenefitsComplimentary travel insurance cover up to USD 50,000 for international travels.
Cash Advance Charges₹199 + GST per transaction; interest-free for up to 45 days.
Cash Advance Charges2.5% of the withdrawal amount, subject to a minimum charge of ₹500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

IDFC First Bank Ashva Metal Credit Card

RBL World Safari Credit Card

Who is it for?

The IDFC First Bank Ashva Metal Credit Card is a premium offering for achievers, featuring a unique 12-gram metal design. It provides extensive travel and lifestyle benefits, including low 1% forex markup and up to 10X reward points on high spends. Ideal for frequent travelers and high-spenders, this card offers unparalleled experiences and comprehensive privileges.

Who is it for?

The RBL World Safari Credit Card is a premium travel card designed for frequent international travelers. It offers a unique zero foreign currency markup fee, extensive complimentary lounge access, and comprehensive travel insurance. Cardholders can earn rewarding travel points on various spends and unlock significant milestone benefits. This card is ideal for those seeking to maximize savings and comfort on their global adventures.

Pros

Key benefits and features.

Extensive complimentary lounge access, including domestic, international, and railway lounges.

Affordable ₹2,999 fee for extensive Visa Infinite privileges and complimentary services.

Features a significantly lower Forex markup charge of 1% on international transactions.

Provides valuable benefits like free movie tickets (BOGO offer) and comprehensive travel insurance.

Pros

Key benefits and features.

Zero Forex Markup charges make it excellent for international transactions, saving on currency conversion fees.

Provides complimentary international travel insurance, covering various travel-related emergencies.

Includes extensive complimentary domestic and international airport lounge access, enhancing the travel comfort.

Attractive milestone rewards offer up to 25,000 bonus travel points and a ₹10,000 gift voucher annually on spend.

Cons

Key drawbacks and limitations.

Many premium benefits like 10X rewards and lounge access are spend-based, requiring ₹20,000 monthly.

No spend-based annual fee waiver, requiring payment of the ₹2,999 annual fee each year.

Annual milestone benefit of 7,500 Reward Points for ₹8 lakh spend is modest.

Cons

Key drawbacks and limitations.

No reward points for international spends, despite zero forex markup, limits its appeal for overseas rewards.

The annual fee of ₹3,000 + GST is relatively high and lacks an easy spend-based waiver condition.

Domestic lounge access is conditional on quarterly spending, not truly complimentary for all users.

A redemption fee of ₹99 + GST is charged for redeeming reward points, which can add up over time.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for IDFC First Bank Ashva Metal Credit Card(opens in new tab)Apply for RBL World Safari Credit Card(opens in new tab)