Travel Smarter and in Style with Premium Credit Card Benefits

Premium credit cards are designed to go beyond everyday transactions. Metal credit cards, in particular, combine enhanced travel benefits, curated lifestyle privileges, and comprehensive protection features into a single offering.

IDFC FIRST Bank’s premium metal credit cards, Ashva and Mayura, are designed with a focus on practical rewards that can elevate both everyday and luxurious experiences. Understanding how these two cards differ can help you evaluate which option aligns better with your usage patterns.

Travel rewards that extend beyond the ordinary

Ashva Credit Card

What you get with the Ashva credit card:

· 4 free domestic lounge accesses every quarter

· 2 free international lounge accesses every quarter

· Forex markup of 1%, reducing international expenses compared to other cards

· Cancellation insurance of up to ₹25,000, valid for up to 2 claims on non-refundable hotel and flight bookings

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· Air accident insurance of ₹1 crore

· Personal accident insurance of ₹10,00,000

· Overseas travel insurance of USD 1,200, including baggage loss, delay, passport loss, and flight delays

· For regular travellers, lounge access itself can be worth 16 domestic and 8 international trips in a year. When combined with waived forex fees and cancellation insurance, Ashva helps reduce travel-related risks while enhancing airport experiences

Mayura Credit Card

The Mayura credit card is positioned as a more premium offering. It provides:

· 4 complimentary domestic airport lounge visits per quarter, including 1 complimentary visit per quarter for accompanying guest, at participating Indian airport lounges

· 4 complimentary visits per quarter to lounges at global airport terminals.

· Zero forex fees, effectively eliminating foreign currency markups

· Trip cancellation insurance of ₹50,000, for up to 2 claims

· Air accident insurance of ₹1 crore

· Personal accident insurance of ₹10,00,000

· Overseas travel insurance of USD 1,200, with higher individual item limits (just like Ashva)

This translates to 16 domestic and 16 international lounge accesses in a year, along with guest access. With zero forex markups, international travel becomes significantly more economical.

For international travellers, a metal card can move beyond being a lifestyle statement to a genuine source of financial advantage.

Dining and entertainment privileges

The Ashva and Mayura cards offer more than travel, adding real benefits to your city lifestyle.

Ashva Credit Card

· Buy-1-Get-1 free movie ticket, up to ₹400 off the second ticket, twice a calendar month

· 1% fuel surcharge waived up to ₹300 per statement cycle

· Complimentary roadside assistance worth ₹1,399, up to four times a year

· 1 golf round or lesson unlocked each month after spending ₹20,000 in the previous statement cycle

These benefits enhance city life and remain cost-effective.

Mayura Credit Card

· Buy-1-Get-1 free movie ticket, up to ₹500 off the second ticket, twice a calendar month

· 1% fuel surcharge waived up to ₹300 per statement cycle

· Complimentary roadside assistance up to four times a year

· 1 golf round or lesson unlocked each month after spending ₹40,000 in the previous statement cycle

The increased movie ticket discount and access to a guest lounge make Mayura a more premium card.

Why a metal credit card makes a difference

A metal credit card is more than just a heavy or premium product. It also represents:

· Systematic domestic and global airport lounge access

· Enhanced travel insurance coverage

· Higher spending limits for dining and entertainment

· Reduced or no markup on foreign exchange

· Golf and premium lifestyle benefits

Ashva is designed for business travellers, both domestic and international, seeking lower foreign exchange markups and well-rounded lifestyle benefits.

Mayura is for frequent international travellers who seek zero foreign exchange markup, enhanced cancellation insurance, and guest-inclusive lounge access.

Conclusion

A credit card should offer real value, not just a premium look. With Ashva and Mayura, IDFC FIRST Bank focuses on benefits related to travel, lifestyle, and protection that are useful for people who use their cards frequently.

Evaluating how often you travel, dine out, or use premium services can help you decide which card suits you better in the long run. When chosen carefully, a metal credit card can add value to both everyday spending and premium experiences, while continuing to offer clarity and control.

If you’re considering a premium credit card, take a closer look at the offerings from IDFC FIRST Bank to find one that suits your spending habits.