IDFC First Bank Ashva Metal Credit Card
IDFC FIRST Bank IDFC FIRST Bank

IDFC First Bank Ashva Metal Credit Card

/assest/image/icons/lounge-access.svg Airport Lounge Access
/assest/image/icons/rewards.svg Reward Points
/assest/image/icons/travel.svg Travel
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Joining Fee: ₹2999* Plus Applicable Taxes

Renewal Fee: ₹2999*Plus Applicable Taxes

Airport Lounge Access Airport Lounge Access
Reward Points Reward Points
Travel Travel
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Joining Fee: ₹2999* + Tax

Renewal Fee: ₹2999* + Tax

Welcome benefits:- Get ₹2,000 cashback and 2,500 bonus reward points on initial spends with the Ashva Credit Card.

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About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About IDFC First Bank Ashva Metal Credit Card

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.

IDFC First Bank Ashva Metal Credit Card Rewards Program

Rewards Program:

  • Earn 10X reward points on monthly spends above ₹20,000 and on birthday spends
  • Earn 5X reward points on monthly spends below ₹20,000
  • Earn 3X reward points on spends of ₹2,000+ for rent, wallet loads, education & government payments via FIRST Digital Credit Card
  • Earn 1X reward point on spends below ₹2,000 via FIRST Digital Credit Card, and on utility & insurance payments
  • 1 Reward Point = ₹0.25 (redeemable value)
  • Reward rate: 1 point for every ₹150 spent

Other Features and Benefits

Welcome Benefits

  • ₹500 cashback on each of the first 4 transactions of ₹500 or more within 60 days of card activation
  • 2,500 bonus reward points upon successful delivery of the Ashva Credit Card

Travel Benefits

  • Low forex markup fee: Only 1%
  • Up to 16 complimentary domestic lounge/spa visits per year (4 per quarter)
  • Up to 8 complimentary international lounge visits per year (2 per quarter)
  • Up to 16 complimentary railway lounge visits at select terminals (4 per quarter)
  • One free guest access allowed at railway lounges with a valid train ticket

Free Trip Cancellation Protection

  • Reimbursement up to ₹25,000 on non-refundable flight/hotel booking cancellations
  • Valid for 2 claims per year

Hotel Benefits

  • ₹5,000 flat discount on bookings worth ₹25,000 or more at The Postcard luxury hotels & resorts
  • Valid once every quarter

Golf Benefits

  • Up to 24 complimentary golf rounds or lessons per year (max 2 per month)
  • 1st round/lesson free on monthly spend of ₹20,000
  • 2nd round/lesson free on monthly spend of ₹40,000 in previous cycle

Movie Benefit

  • Buy 1 Get 1 offer on movie tickets on BookMyShow
  • Up to ₹400 off on the second ticket
  • Offer valid twice per month

Milestone Benefit

  • Get 7,500 reward points (worth ₹1,875) on spending ₹8 lakh in a year

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver
  • Maximum waiver: ₹300 per month
  • Applicable on fuel spends between ₹200 to ₹5,000

Visa Infinite Privileges

  • Complimentary 1-night stay at ITC Hotels & Elivaas with 2-night booking
  • 50% off on 2nd night stay at ITC Hotels & Elivaas
  • Discounts on airport meet & greet and transfers at 450+ global destinations
  • Personalized travel assistance for flights, stays, dining, and activities
  • Exclusive luxury hotel benefits: discounts, free breakfast, room upgrades, and more

Insurance Benefits

  • Air Accident Cover: ₹1 Crore
  • Personal Accident Cover: ₹10 Lakh
  • Lost Card Liability Cover: ₹50,000
  • Loss of Checked-in Baggage: USD 500
  • Delay of Checked-in Baggage: USD 100
  • Flight Delay & Passport/Document Loss: USD 300 each
  • Roadside Assistance: Worth ₹1,399

Fees and Charges

Fee TypeAmount
Joining FeeRs. 2,999 + Applicable Taxes
Annual FeeRs. 2,999 + Applicable Taxes
Finance Charges0.75% to 3.99% p.m. (9% to 47.88% p.a.)
Late Payment Charges15% of total amount due as per the previous statement minus any payments received before the due date (subject to a min. of Rs. 100)

Things to Know Before you apply

Get this card if:

  • 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
     

Frequently Asked Questions

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.

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