IDFC FIRST Ashva
86/100
·
₹2,999/yr
•••• •••• •••• ••••
CARD HOLDER
YOUR NAME
EXPIRES
••/••
IDFC FIRST Bank
IDFC FIRST Ashva
Visa
PREMIUM
Premium
VISA
Top Rated
IDFC FIRST Ashva
by IDFC FIRST Bank · Data verified 2 days ago
Premium IDFC FIRST metal card with up to 40X RP, 1% forex, domestic+international lounges, golf, BOGO movies, trip cancellation cover, ITC Hotels benefits, Visa Infinite privileges. Rs.2,999+GST fee.
86
Score
Based on rewards, fees, benefits & eligibility
₹3K
Fee
Waiver available on spending
1
Reward Pts
Base earn rate (per transaction slab)
0.00%
Cashback
On eligible transactions
1 RP Earn
base reward rate
16 per year Lounges
complimentary
₹2,999/yr
waiver available
86/100
CardSahayak rating
Reward Calculator
How Much Can You Earn?
Calculate your potential rewards with this card
₹
/month
₹10,000
₹5,00,000
Your Annual Benefits
Reward Points
pts
₹
Annual Fee
Card membership
-₹2,999
Net Annual Value
You save per year!
What's Great
- Up to 40X reward points on travel — exceptional for frequent travellers
- 1% forex markup — very competitive for international spends
- Premium metal card (12g) with heritage design
- Domestic + international lounge access via Dreamfolks
- Trip cancellation cover Rs. 25K — unique benefit
- Golf rounds and lessons on moderate spend
- Air accident cover Rs. 1 Crore
- ITC Hotels and Postcard Hotels benefits
- BOGO movies twice a month
- Visa Infinite privileges — luxury hotel collection, concierge
- Low APR starting from 0.71% per month
- 7,500 RP welcome benefit offsets joining fee
Things to Consider
- Joining fee Rs. 2,999 + GST (non-refundable, upfront)
- Annual fee Rs. 2,999 + GST — not waivable, only partially offset by spend-based RP
- Lounge access requires Rs. 20K monthly spend — not unconditional
- Movie and railway lounge benefits also spend-gated from 2025/2026
- RP value only Rs. 0.40 for travel, Rs. 0.25 for non-travel redemptions
- No zero forex — 1% still applies
- Base earn rate below Rs. 20K threshold is only 1X
Perfect For
Frequent travellers
International spenders
Hotel & flight bookers
Golf enthusiasts
Premium lifestyle seekers
About This Card
The IDFC FIRST Ashva Metal Credit Card is a premium travel-centric metal card weighing 12g, featuring Indian heritage-inspired design with regal horses. It offers up to 40X reward points (30X on hotels, 15X on flights via Travel & Shop), 1% forex markup, domestic and international airport lounge access, golf privileges, BOGO movie tickets, trip cancellation cover of Rs. 25,000, air accident cover of Rs. 1 Crore, ITC Hotels benefits, Visa Luxury Hotel Collection access, and concierge services.
Annual Fee
₹2,999
Waiver
Spend Rs. 8 lakh in previous anniversary year to earn 7,500 RP (worth up to Rs. 3,000) as annual fee payment benefit
Joining Fee
₹2,999
Rs.500 cashback on 4 transactions above Rs.500 after activation
Other Charges
Interest Rate (APR)
Monthly on outstanding balance
0.71% - 3.99%
Foreign Transaction Fee
Markup on international txns
1.00%
Fuel Surcharge Waiver
Save on fuel transactions
Up to ₹300/mo
Interest-Free Period
On new purchases if paid in full
20 to 48 days
Cash Advance Fee
Fee for cash withdrawal from ATM
₹199 + GST per transaction (interest-free up to 48 days)
Late Payment Fee
Charged if minimum due not paid on time
15% of Total Amount Due (min ₹100, max ₹1,300) + GST
Reward Points Validity
How long your earned points remain valid
Points never expire
Card Replacement Fee
Fee for lost or damaged card replacement
₹199
1
Reward Pts
₹0.40
Point Value
0.00%
Cashback
Welcome Bonus
Up to 7,500 Reward Points on meeting joining fee spend milestones
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|
Point Value: 1 point = ₹0.40
|
Redemption Fee: ₹99 + GST per request
Domestic Lounges
16 per year
Int'l Lounges
8 per year
Travel Insurance
₹0L cover
Golf Benefits
Complimentary
Concierge
24/7 assistance
Fuel Savings
₹300/mo
Purchase Protection
₹0 cover
Lost Card Cover
₹0
Add-On Card
₹2,000
Movies
- •BOGO movie tickets via BookMyShow
Dining
- •Dining discounts via Visa privileges
Shopping
- •Up to 40X reward points on travel bookings
- •10X reward points on spends above Rs. 20K/cycle
- •1 RP = Rs. 0.40 for hotel/flight, Rs. 0.25 for others
- •UPI payments supported
- •Visa Concierge service for bookings
Travel
- •Domestic + International airport lounge access (Rs. 20K/month spend required)
- •4 complimentary railway lounge visits per quarter
- •1% forex markup — low for international travel
- •Trip cancellation cover up to Rs. 25,000 (twice/year)
- •Air accident cover Rs. 1 Crore
- •Travel insurance — baggage USD 500, flight delay USD 300, passport USD 300
- •Airport transfer discounts on limousine in 3,000+ cities across 83 countries
- •ITC Hotels — Stay 3 Pay 2, or 50% off 2nd night
- •Postcard Hotels — Rs. 5,000 off on Rs. 25K booking (once per quarter)
- •900+ Visa Luxury Hotel Collection with upgrades and VIP benefits
- •Golf benefits activated on monthly spend of ₹40,000+
- •Cancel For Any Reason insurance: ₹25,000 cover for flight & hotel bookings (max 2 trips/year, 4-star/5-star hotels, cancellation 24hr+ before travel)
- •Personal accident cover: ₹10 Lakhs
- •Complimentary roadside assistance worth ₹1,399
Special Offers & Features
- •Welcome: 100% cashback up to ₹500 per transaction on 4 transactions of ₹500+ within 60 days (save ₹2,000)
- •UPI Rewards: 3 RP per ₹150 on spends >₹2,000; 1 RP per ₹150 on spends ≤₹2,000
- •Interest-free ATM withdrawals up to 45 days if repaid by due date
- •Reward value: Rs.0.40 (travel) / Rs.0.25 (others) per point
Card Features
Contactless
✓ Yes
Virtual Card
✓ Yes
International
✓ Yes
Material
Metal
86
out of 100
CardSahayak Score
"Apply Now" takes you to IDFC FIRST Bank's official website.
Eligibility
Salaried
₹200,000/mo
Self-Employed
₹200,000/mo
Age
21-65 yrs
CIBIL
750+
Employment
Salaried, Self-Employed
Card Variant
Infinite
Scores
Rewards
35/100
Fees
100/100
Benefits
78/100
Access
50/100
3 Active Offers
Deals & Offers
Exclusive offers available on IDFC FIRST Ashva
MakeMyTrip
Fly across India with IDFC FIRST Bank Credit Cards. Enjoy a flat 10% instant discount up to ₹1,500 on all domestic flights on MakeMyTrip.
10
Till 31 Dec 2026
IDFCMMT
travel
Discount
Flat 10% up to ₹1,500
Min Spend
₹5,000
Max Savings
₹1,500
Valid Until
31 Dec 2026
How to Avail
Step 1: Open MakeMyTrip app or makemytrip.com.
Step 2: Search for domestic flights with ticket value ₹5,000 or more.
Step 3: Enter promo code IDFCMMT on checkout.
Step 4: Pay using IDFC FIRST Bank Credit Card to get up to ₹1,500 instant discount.
Step 2: Search for domestic flights with ticket value ₹5,000 or more.
Step 3: Enter promo code IDFCMMT on checkout.
Step 4: Pay using IDFC FIRST Bank Credit Card to get up to ₹1,500 instant discount.
Terms & Conditions
Valid on domestic flight bookings across India. Minimum transaction value of ₹5,000 is required. Maximum discount capped at ₹1,500 per booking. Valid once per cardholder per calendar month.
Use Code:
IDFCMMT
Visit Offer
Swiggy
Delight in food savings with IDFC FIRST Bank Credit Cards on Swiggy. Get flat ₹100 off on food orders of ₹499 and above.
100
Till 31 Dec 2026
IDFC100
dining
Discount
Flat ₹100 off
Min Spend
₹499
Max Savings
₹100
Valid Until
31 Dec 2026
How to Avail
Step 1: Open Swiggy app and add food items worth ₹499+ to your cart.
Step 2: Enter promo code IDFC100 on payment page.
Step 3: Pay with IDFC FIRST Bank Credit Card.
Step 4: Receive flat ₹100 instant discount on your order.
Step 2: Enter promo code IDFC100 on payment page.
Step 3: Pay with IDFC FIRST Bank Credit Card.
Step 4: Receive flat ₹100 instant discount on your order.
Terms & Conditions
Minimum order value of ₹499 excluding taxes and packaging. Valid twice per cardholder per month. Applicable on food delivery orders only.
Use Code:
IDFC100
Visit Offer
BookMyShow
Experience movie entertainment with IDFC FIRST Bank Credit Cards on BookMyShow. Enjoy Buy 1 Get 1 free movie ticket up to ₹250.
250
Till 31 Dec 2026
entertainment
Discount
Buy 1 Get 1 Free (up to ₹250)
Min Spend
None
Max Savings
₹250
Valid Until
31 Dec 2026
How to Avail
Step 1: Open BookMyShow and select movie tickets.
Step 2: Click on Unlock Offers at checkout.
Step 3: Choose IDFC FIRST Bank Credit Card Offer.
Step 4: Receive second ticket free up to ₹250.
Step 2: Click on Unlock Offers at checkout.
Step 3: Choose IDFC FIRST Bank Credit Card Offer.
Step 4: Receive second ticket free up to ₹250.
Terms & Conditions
Valid on booking 2 or more tickets. Maximum discount of ₹250 on second ticket. Quota refreshed daily. Available on all active IDFC FIRST Bank consumer credit cards.
❓ FAQ
Frequently Asked Questions
Everything you need to know about IDFC FIRST Ashva
To be eligible, you need:
- • Min age: 21 years
- • Salaried: ₹200,000/month min
- • Self-employed: ₹200,000/month min
- • CIBIL: 750+ recommended
The annual fee is ₹2,999.
The fee can be waived by Spend Rs. 8 lakh in previous anniversary year to earn 7,500 RP (worth up to Rs. 3,000) as annual fee payment benefit.
You earn 1 reward points per eligible transaction. Each point is worth approximately ₹0.40.
Welcome bonus: Up to 7,500 Reward Points on meeting joining fee spend milestones on activation!
Redeem for flights, hotels, vouchers via IDFC FIRST Bank rewards portal.
Yes! Complimentary lounge access:
- ✓ Domestic: 16 per year
- ✓ International: 8 per year
- → 4 complimentary domestic airport lounge visits per quarter (16 per year)
- → 2 complimentary international airport lounge visits per quarter (8 per year)
- → 4 complimentary railway lounge visits per quarter
- → Subject to minimum monthly spend of ₹20,000 in the previous calendar month to unlock for subsequent month
- • Instant: Pre-approved IDFC FIRST Bank customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for IDFC FIRST Ashva today and unlock amazing rewards and premium experiences.
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