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 Type
Amount
Joining Fee
Rs. 2,999 + Applicable Taxes
Annual Fee
Rs. 2,999 + Applicable Taxes
Finance Charges
0.75% to 3.99% p.m. (9% to 47.88% p.a.)
Late Payment Charges
15% 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.
How Can I Apply for a Credit Card Online?
✔Step 1: Enter your mobile number in the application form
✔Step 2: Provide your personal details
✔Step 3: Enter OTP to verify your mobile number
✔Step 4: Select the credit card
✔Step 5: Compare offers and apply for the best-suited credit card
IDFC FIRST Bank
Airport Lounge Access
Reward Points
Travel
