IDBI Euphoria vs IDFC FIRST Ashva
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
IDFC FIRST Ashva Credit Card wins 4 of 8 dimensions with a CardTrail Score of 8.5/10 vs 7.9/10.
| Feature | IDBI Euphoria | IDFC FIRST Ashva |
|---|---|---|
| CardTrail Score | 7.9/10 | 8.5/10 |
| Annual Fee | ₹1,499 | ₹2,999 |
| Base Reward Rate | 3% | 0.83% |
| Max Reward Rate | 6% | 5% |
| Forex Markup | 3.5% | 1% |
| Domestic Lounges | -1 | 16 |
| International Lounges | 0 | 8 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Mastercard | Visa Signature |
When to Choose IDBI Euphoria
- You can meet the fee waiver condition: Spend Rs 1.5L/year
- You want higher rewards — up to 6% vs 5%
- Your primary spend is: travel, lounge, rewards
When to Choose IDFC FIRST Ashva
- You travel internationally — saves ₹2,500/year on ₹1L forex spend
- Airport lounge access matters — 16 domestic visits
- Your primary spend is: travel, lounge, forex
Forex Cost Comparison
On ₹1,00,000 annual international spending: IDBI Euphoria costs ₹4,130 in forex fees vs IDFC FIRST Ashva at ₹1,180. You save ₹2,950/year with IDFC FIRST Ashva.
Annual Fee Value Analysis
To break even on IDBI Euphoria's ₹1,499 fee at 3% rewards, spend ₹4,164/month.
To break even on IDFC FIRST Ashva's ₹2,999 fee at 0.83% rewards, spend ₹30,110/month.