IDFC FIRST Ashva Credit Card
The IDFC FIRST Ashva Credit Card is a Visa Infinite metal card (about 12g) with a ₹2,999 + GST joining fee and ₹2,999 + GST annual fee from the second card anniversary.
Travel & Lounge Fit Score
94/100
Joining Fee
₹2,999
Annual Fee
₹2,999
Reward Rate (%)
0.83 – 2.67
0.67 pts/₹100 · ₹0.25/pt
Forex Markup
1%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
24/35
Fee Value & ROI
18/25
Lounge & Perks
20/20
Forex & Access
14/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
IDFC FIRST Ashva Credit Card Benefits
IDFC FIRST Ashva Credit Card Rewards
How you earn back on every swipe
points
Reward type
0.83% – 2.67%
Earn rate
0.67
Points / ₹100
₹0.25
Per point
IDFC FIRST Ashva Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
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.
IDFC FIRST Ashva Credit Card 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
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹66,667/mo (₹8,00,004/yr), your ₹2,999 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
IDFC FIRST Ashva Credit Card 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 4 Sept 2026
Calculate your exact earnings with IDFC FIRST Ashva Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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