IDFC FIRST Bank
IDFC FIRST Ashva Credit Card
Your rating
Community rating
Joining Fee
₹2,999
Annual Fee
₹2,999
Reward Rate
0.17% – 16%
Forex Markup
1%
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Key Benefits
Rewards
How you earn back on every swipe
points
Reward type
0.17% – 16%
Earn rate
0.67
Points / ₹100
₹0.4
Per point
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Fees exclude GST unless noted. Joining fee is charged upfront before metal card dispatch and is non-refundable. Annual fee applies from the second card anniversary year. Milestone: ₹8 lakh spend in an anniversary year → 7,500 points when annual fee for the following year is paid. Confirm all rates and exclusions in the bank MITC and Card Member Agreement.
Travel & Lounge Access
Airport perks included with this card
4 per quarter
Domestic lounge visits
8 per year
International lounge visits
Things to Keep in Mind
- utilities
- fuel
- spends converted to EMI
- loan on card
- rent
- education
- government
- wallet
Card Features
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Eligibility
Employment type
Pros & Cons
- Excellent low-forex travel credit card
- Strong lounge access for the fee segment
- High accelerated rewards via IDFC travel platform
- Reward Points never expire
- Good golf and movie benefits
- Metal card design and premium feel
- Better rewards for high monthly spenders
- Useful international travel-focused benefits
- Best rewards require high monthly spends
- Lounge access now requires ₹20,000 monthly spend eligibility
- Reward system is relatively complex
- Redemption value is best only for travel bookings
- Joining and annual fee are relatively high
- Limited value for low-to-moderate spenders
- Some categories earn reduced or no rewards
Who is this card for?
Frequent travellers who will meet the ₹20,000/month lounge unlock, book hotels/flights through the IDFC app for maximum point value, and pay the card in full — not users expecting unlimited lounges or zero forex.
Quick Links
Data last updated 3 Apr 2026