IDFC FIRST Ashva vs SBI Card PRIME
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 8.6/10.
| Feature | IDFC FIRST Ashva | SBI Card PRIME |
|---|---|---|
| CardTrail Score | 8.5/10 | 8.6/10 |
| Annual Fee | ₹2,999 | ₹2,999 |
| Base Reward Rate | 0.83% | 0.5% |
| Max Reward Rate | 5% | 5% |
| Forex Markup | 1% | 3.5% |
| Domestic Lounges | 16 | 8 |
| International Lounges | 8 | 4 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Signature | Visa Signature |
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
When to Choose SBI Card PRIME
- You can meet the fee waiver condition: Renewal fee waived on annual spends of Rs. 3 lakhs
- Your primary spend is: travel, dining, entertainment
Forex Cost Comparison
On ₹1,00,000 annual international spending: IDFC FIRST Ashva costs ₹1,180 in forex fees vs SBI Card PRIME at ₹4,130. You save ₹2,950/year with IDFC FIRST Ashva.
Annual Fee Value Analysis
To break even on IDFC FIRST Ashva's ₹2,999 fee at 0.83% rewards, spend ₹30,110/month.
To break even on SBI Card PRIME's ₹2,999 fee at 0.5% rewards, spend ₹49,983/month.