IDFC FIRST Bank Ashva Credit Card

Annual fee

The Ashva Credit Card comes with a Joining Fee of ₹2,999 + GST and an Annual Fee (applicable from second card anniversary year) of ₹2,999 + GST.

Joining fee

₹2,999 + GST₹2,999 + GST; upfront payment required for dispatch of metal credit card; the fee is non-refundable

Add-on card fee

Joining Fee (Metal Variant) ₹2,000 + GST; Joining Fee (Plastic Variant) ₹1,500 + GST; Annual Fee (Both Variant) ₹1,000 + GST

Welcome benefit

On payment of joining fee, you can earn up to 7,500 reward points as a joining benefit.

Reward rate

10X Reward Points on incremental spends above ₹20,000 in a statement cycle; 5X Reward Points on spends up to ₹20,000 (1X = 1 Reward Point per ₹150 spent)

Government spend earningRent earningWallet load earning

3X Reward Points on Rent, Education, Government and Wallet Load transactions.

Insurance spend earningUtilities earning

1X Reward Points on Insurance, Utility, Railways and Fastag transactions.

Reward earning on international spends

5X Reward Points on international spends; effective 26th Oct 2026, you will earn 2X Reward Points on international spends

Travel earning

30X Bonus Reward Points on Hotel Bookings; 15X Bonus Reward Points on Flight Bookings via “Travel and Shop” Section on IDFC FIRST Bank Mobile App.

Reward exclusions

Reward points will not be given on spends converted to EMI, Cash Withdrawal, Fuel, Fee and Charges.

Reward caps

Reward Points will be earned for spends up to your credit limit per billing cycle

What one reward unit is worth

10,000 Points = ₹4,000 on Hotel/Flight Bookings via FIRST Rewards Gallery Section on IDFC FIRST Bank Mobile App; 10,000 Points = ₹2,500 everywhere else.

Catalogue redemption

1 Point = ₹0.4 on Hotel/Flight Bookings via “FIRST Rewards Gallery”; 1 Point = ₹0.25 everywhere else.

Flight redemptionHotel redemption

Each reward point is worth ₹0.40 when redeemed for hotel and flight bookings via FIRST Rewards Gallery section on IDFC FIRST Bank Mobile App.

Voucher and product redemption

Gift vouchers, products on FIRST Rewards Gallery section on IDFC FIRST Bank Mobile App and Pay using reward points on online transaction: the value of each reward point is ₹0.25.

Point expiry

Never-expiring reward points; valid till the credit card remains active

Domestic lounge access

4 complimentary visits per quarter to airport lounges in India; the lounge benefit can be availed in the next calendar month by spending ₹20,000 or more in the current calendar month.

International lounge access

2 complimentary visits per quarter to global airport lounges (use the DreamFolks card); the lounge benefit can be availed in the next calendar month by spending ₹20,000 or more in the current calendar month.

Hotel or travel programme

Flat discount of ₹5000 on a minimum booking of ₹25,000 at The Postcard’s luxury hotels and resorts, once every calendar quarter (valid till 10th Feb 2027)

Hotel or travel programme

Cancel for Any Reason cover: reimbursement of up to ₹25,000 twice a year on non-refundable portion of flight and hotel bookings

Dining programme

Up to 20% off total bill when you pay with your card at any participating restaurants

Golf

Up to 2 rounds/lessons in a month; each round/lesson is unlocked for every ₹20,000 spent in the previous statement cycle

Concierge

Personalized assistance for all your travel needs.

Milestone benefits

7,500 reward points on spending ₹8,00,000 or more in a card anniversary year, credited on payment of annual fee for the next year

Movie or entertainment ticket benefit

Buy one get one free offer on Movie Tickets with up to ₹400 off on the second ticket, twice in a calendar month, via District App by Zomato; spend ₹20,000 in the current calendar month to avail the benefit in the next month

Fuel surcharge waiver

Avail 1% Fuel Surcharge Waiver up to ₹300 in a statement cycle at all fuel stations across India on transactions between ₹200 & ₹5,000.

Air accident cover

Air Accident Cover of ₹1 Crore; Personal Accident Cover of ₹10,00,000 (valid on doing at least one transaction on the Ashva Credit Card in the last 30 days)

Insurance benefit

Comprehensive travel insurance cover: Loss of Checked-in Baggage USD 500, Delay of Checked-In Baggage USD 100, Loss of Passport and other documents USD 300, Delay in Flight USD 300.

Lost card liability

Lost Card Liability Cover of ₹50,000.

Travel insurance

Comprehensive travel insurance coverage up to USD 1200

Forex markup

0% on foreign currency transactions.

Cash advance fee

₹199 + GST per transaction, irrespective of your location or the withdrawal amount

Cash advance interest

Interest-free global ATM cash withdrawals for up to 45 days

Interest on unpaid balance

Monthly Rate 0.71% - 3.85% (Annual Rate 8.5% - 46.2%)

Interest-free period

48 days interest-free when you pay in full.

Late payment fee

15% of the Total Amount Due (subject to a minimum of ₹100 and a maximum of ₹1250)

Income requirement

Stable source of income through salary or self-employment.

Minimum age

Age 21 years and above.