The IDFC FIRST Ashva Credit Card is a semi-premium metal credit card offering benefits across travel, shopping, entertainment, and more. You can earn up to 10X reward points on monthly spending, but only if you spend over ₹20,000 in a month. Since 1 reward point is worth ₹0.25, the maximum savings rate is 1.66%, which is lower compared to other cards in this category.
This card is mainly for high-income individuals and focuses on travel and lifestyle perks. You get free airport lounge access if you spent at least ₹20,000 the month before. For golf privileges, you need to spend double that amount.
The card also includes premium Visa Infinite benefits like discounts on airport meet & greet, concierge services, free movie tickets, railway lounge access, a low forex markup of 1%, and insurance coverage—making it a good option for frequent travelers and lifestyle spenders.
The Ashva Credit Card by IDFC FIRST Bank is a premium metal credit card packed with multiple lifestyle and financial benefits. It offers cashback, rewards, low forex markup, and complimentary access to airport and railway lounges.
You can spend ₹8 Lakh annually to unlock maximum milestone rewards.
You travel frequently and need a credit card with travel, lounge, and hotel perks.
You want a premium metal card with strong lifestyle benefits.
You consistently spend over ₹20,000/month to earn 10X accelerated reward points.
Eligibility Criteria
Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history
Document Required For IDFC First Bank Ashva Metal Credit Card
Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
IDFC First Bank Ashva Metal Credit Card Hilights
What do we like about this card?
₹2,000 cashback + 2,500 bonus reward points as welcome benefits
Up to 16 domestic lounge/spa and 8 international lounge visits annually
1% low forex markup + free trip cancellation cover up to ₹25,000
24 complimentary golf rounds/lessons per year + BOGO movie tickets
Premium Visa Infinite lifestyle, travel, and dining privileges
Pros
Complimentary access to domestic & international airport lounges and railway lounges
Accelerated rewards on rent, wallet loads, education, and government payments
Low forex markup fee of just 1% — ideal for international travelers
Free trip cancellation protection worth up to ₹25,000 per year
Access to premium Visa Infinite privileges including luxury hotel offers and concierge services
Cons
High annual fee of ₹2,999 with no waiver option
Lounge and golf benefits require high monthly spends to unlock
Lower reward redemption value (1 RP = ₹0.25) compared to premium cards
No reward points on fuel or EMI transactions
Idfc Bank Credit Card Contact Details
Contact Address: IDFC FIRST Bank Ltd. Naman Chambers, C-32, G Block, Bandra Kurla Complex, Bandra (East), Mumbai – 400051, Maharashtra, India Helpline (24x7): 1800 10 888 (Toll-Free for all customers)
Simply SMS: Send “IDFCCREDIT” to 5676732 from your registered mobile number
Everything you need to know about this credit card
No, reward points are not earned on fuel transactions. However, you get a 1% fuel surcharge waiver on spends between Rs. 200 and Rs. 5,000, capped at Rs. 300 per month.
Yes. You will not earn 10X rewards on spends in the following categories: education, wallet loads, government payments, rent and property management/purchase transactions, utilities, insurance, EMIs, cash withdrawals, fuel, and fees & charges.
The joining and annual fee is Rs. 2,999. However, you get welcome benefits worth Rs. 2,000, including Rs. 500 cashback on each of the first 4 transactions of Rs. 500 or more made within 60 days of card issuance.
Yes. You get up to 16 complimentary domestic airport lounge or spa visits per year, and up to 8 complimentary international lounge visits annually. To avail these benefits, you must spend at least Rs. 20,000 in the previous month.
The joining fee must be paid once the digital card has been issued. However, it can be paid anytime before the first statement due date.
Yes, the Ashva Credit Card allows cash withdrawals from ATMs.
Yes, the card offers both domestic and international lounge access.
Reward points remain valid as long as the card account is active.
IDFC FIRST Bank
Airport Lounge Access
Reward
Travel
