IDFC FIRST Bank Ashva Credit Card
IDFC FIRST Bank
Annual / renewal fee
₹2,999 + GST (Annual Fee, applicable from second card anniversary year).
VerifiedAshva Credit Card product page27 Jul 2026, 4:10 PM ISTIDFC FIRST Bank
Earn rate
- 10 reward points per ₹150 on eligible incremental spends above ₹20,000 in a statement cycle.
- 5 reward points per ₹150 on eligible spends up to ₹20,000.
- 5 reward points per ₹150 on international transactions.
- 3 reward points per ₹150 on Rent, Government, Wallet Load and Education.
- 1 reward point per ₹150 on Fastag, Railways, Insurance and Utilities.
- On associated FIRST Digital RuPay Card: 3 RP per ₹150 on UPI transactions above ₹2,000.
- 1 RP per ₹150 on UPI transactions up to ₹2,000 and on insurance/utilities.
- Travel bookings via Travel & Shop on IDFC FIRST Bank Mobile App: 40 RP per ₹150 on hotels (10 base + 30 bonus), 25 RP per ₹150 on flights (10 base + 15 bonus).
VerifiedAshva Credit Card - Reward Program Terms & Conditions13 Jul 2026, 10:43 AM ISTIDFC FIRST Bank
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You'll land on the issuer's official application portal at linksredirect.com — if a different card is shown first, use its card selector to pick this one.
COFFER may earn a fee when you apply through this link. Facts are never affected. Learn more.
You'll land on the issuer's official application portal at linksredirect.com — if a different card is shown first, use its card selector to pick this one.
Overview
Ashva Credit Card by IDFC FIRST Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
- ₹2,999 (plus GST).
- Joining Fee levied on credit card application approval.
VerifiedAshva Credit Card product page27 Jul 2026, 4:10 PM ISTIDFC FIRST Bank
Annual / renewal fee
₹2,999 + GST (Annual Fee, applicable from second card anniversary year).
VerifiedAshva Credit Card product page27 Jul 2026, 4:10 PM ISTIDFC FIRST Bank
Fee waiver
- Annual fee waiver: On annual fee payment of ₹2,999 + GST, spend minimum ₹8,00,000 in the previous card anniversary year and get 7,500 Reward Points (worth up to ₹3,000).
- Net spends only.
- Fee, charges, GST, refunded/reversed transactions and cash withdrawals excluded.
VerifiedAshva Credit Card - Annual Fee Payment Benefit Terms & Conditions13 Jul 2026, 10:43 AM ISTIDFC FIRST Bank
Rewards
- 10 reward points per ₹150 on eligible incremental spends above ₹20,000 in a statement cycle.
- 5 reward points per ₹150 on eligible spends up to ₹20,000.
- 5 reward points per ₹150 on international transactions.
- 3 reward points per ₹150 on Rent, Government, Wallet Load and Education.
- 1 reward point per ₹150 on Fastag, Railways, Insurance and Utilities.
- On associated FIRST Digital RuPay Card: 3 RP per ₹150 on UPI transactions above ₹2,000.
- 1 RP per ₹150 on UPI transactions up to ₹2,000 and on insurance/utilities.
- Travel bookings via Travel & Shop on IDFC FIRST Bank Mobile App: 40 RP per ₹150 on hotels (10 base + 30 bonus), 25 RP per ₹150 on flights (10 base + 15 bonus).
VerifiedAshva Credit Card - Reward Program Terms & Conditions13 Jul 2026, 10:43 AM IST
Redemption value
- 1 Reward Point = ₹0.40 on travel bookings (hotel & flights only) via Travel & Shop on IDFC FIRST Bank Mobile app.
- 1 Reward Point = ₹0.25 everywhere else.
- Reward Redemption Fee of ₹99 per redemption transaction.
- Reward points can be utilised to pay up to 70% of total booking value (incl. tax) for hotel/flight bookings via Travel & Shop.
VerifiedAshva Credit Card - Reward Program Terms & Conditions13 Jul 2026, 10:43 AM ISTIDFC FIRST Bank
Reward cap
- Bonus Reward Points (travel bookings via app) capped at 15,000 per calendar month.
- Redeemable Reward Points for hotel/flight bookings via Travel & Shop capped at 1,00,000 per calendar month and 2,00,000 per calendar year.
- Rewards earned only for spends up to credit limit per billing cycle.
VerifiedAshva Credit Card - Reward Program Terms & Conditions13 Jul 2026, 10:43 AM ISTIDFC FIRST Bank
Reward exclusion
VerifiedAshva Credit Card - Reward Program Terms & Conditions13 Jul 2026, 10:43 AM ISTIDFC FIRST Bank
Travel & lounge
Lounge access
- Complimentary access to airport lounges including 4 domestic lounge visits and 2 international lounge visits per quarter.
- Lounge benefit can be availed in the next calendar month by spending ₹20,000 or more in the current calendar month.
VerifiedAshva Credit Card product page27 Jul 2026, 4:10 PM ISTIDFC FIRST Bank
Travel benefit
Free Trip Cancellation Cover of up to ₹25,000 for non-refundable hotel and flight bookings.
VerifiedAshva Credit Card product page13 Jul 2026, 10:43 AM ISTIDFC FIRST Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
- Joining Fee Payment Benefit (Ashva cards generated on/after 1st Sep 2025): earn up to 7,500 reward points - Milestone 1: 2,500 RP on successful realization of the joining fee.
- Milestone 2: 2,500 RP on net spends of ₹20,000 or more in the 2nd statement cycle.
- Milestone 3: 2,500 RP on net spends of ₹20,000 or more in the 3rd statement cycle.
VerifiedAshva Credit Card - Joining Fee Payment Benefit Terms & Conditions13 Jul 2026, 10:43 AM ISTIDFC FIRST Bank
Insurance
Robust travel insurance with coverage up to $1,200 USD for loss of luggage, flight delays, etc.
VerifiedAshva Credit Card product page13 Jul 2026, 10:43 AM ISTIDFC FIRST Bank
Milestone benefit
- Joining Fee Payment Benefit (Ashva Credit Cards generated on/after 1 Sep 2025): earn up to 7,500 reward points - 2,500 on successful realization of the joining fee.
- 2,500 on net spends of ₹20,000 or more in the 2nd statement cycle.
- 2,500 on net spends of ₹20,000 or more in the 3rd statement cycle.
- Available only once per customer.
VerifiedAshva Credit Card - Joining Fee Payment Benefit Terms & Conditions13 Jul 2026, 10:43 AM ISTIDFC FIRST Bank
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
1% markup on foreign currency transactions and Dynamic & Static Currency Conversion transactions.
VerifiedMost Important Terms & Conditions (MITC) - covers Ashva Credit Card13 Jul 2026, 10:43 AM ISTIDFC FIRST Bank
Charge
- Add-on Card: Joining Fee ₹2,000 (Metal Variant) / ₹1,500 (Plastic Variant), Annual Fee ₹1,000 (Both Variants), charged for new add-on cards issued w.e.f 17th September 2024.
- Cash advance transaction fee ₹199.
- Late payment charges 15% of Total Amount Due as of previous statement minus payments received before due date (min ₹100, max ₹1,300).
- Over-limit charge 2.5% of over-limit amount (min ₹550).
- Return of cheque/Auto-Debit SI/Payment Return 2% of payment amount (min ₹500).
- Reward Redemption Fee ₹99 per redemption transaction.
- Card replacement fee ₹1,500 (Metal Variant).
- Fee on cash payment at branches NIL.
- Duplicate statement request NIL.
- Outstation cheque processing fee NIL.
- Cheque/Cash processing fee NIL.
- Charge slip request NIL.
- Balance Transfer Processing fee communicated at time of transaction.
- Rent and Property Management Fee 1% of transaction value (min ₹249, domestic only).
- Fair usage on Utility Spends 1% fee if total Utility Spends in a statement cycle exceed ₹20,000.
- Fuel Fee 1% if total Fuel Spends exceed ₹30,000 in a statement cycle.
- Passenger Railways Transaction Fee 1% if total Passenger Railway Spends exceed ₹25,000.
- Tolls and Bridges Transaction Fee 1% if total Tolls and Bridges Spends exceed ₹10,000.
- Education Payment Fee 1% on Education Spends via third-party apps (min ₹249).
- GST 18% on all fees, interest and other charges.
VerifiedMost Important Terms & Conditions (MITC) - covers Ashva Credit Card13 Jul 2026, 10:43 AM ISTIDFC FIRST Bank
Fuel surcharge waiver
- 1% Fuel Surcharge Waiver on fuel transactions valued between ₹200 and ₹5,000.
- Maximum waiver ₹300 per statement cycle.
- Waiver capped at 1% of eligible fuel transaction amounts (excluding GST).
VerifiedMost Important Terms & Conditions (MITC) - covers Ashva Credit Card13 Jul 2026, 10:43 AM ISTIDFC FIRST Bank
Interest-free period
- Interest-free (grace) period not exceeding 45 days, varying with transaction and statement date.
- Not applicable if previous month's statement balance is not cleared in full by the due date.
VerifiedMost Important Terms & Conditions (MITC) - covers Ashva Credit Card13 Jul 2026, 10:43 AM ISTIDFC FIRST Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Ashva Credit Card?
Officially traced: Rs. 2,999 + GST (Annual Fee, applicable from second card anniversary year).
Ashva Credit Card product pageWhat is the joining fee on the Ashva Credit Card?
Officially traced: Rs. 2,999 (plus GST).
Ashva Credit Card product pageIs the Ashva Credit Card annual fee ever waived?
Annual fee waiver: On annual fee payment of Rs. 2,999 + GST, spend minimum Rs. 8,00,000 in the previous card anniversary year and get 7,500 Reward Points (worth up to Rs. 3,000).
Ashva Credit Card - Annual Fee Payment Benefit Terms & ConditionsHow does the Ashva Credit Card earn rewards?
10 reward points per Rs. 150 on eligible incremental spends above Rs. 20,000 in a statement cycle; 5 reward points per Rs. 150 on eligible spends up to Rs. 20,000; 5 reward points per Rs. 150 on international transactions; 3 reward points.
Ashva Credit Card - Reward Program Terms & ConditionsWhat lounge access does the Ashva Credit Card include?
Complimentary access to airport lounges including 4 domestic lounge visits and 2 international lounge visits per quarter.
Ashva Credit Card product pageWhat welcome benefit does the Ashva Credit Card offer?
Joining Fee Payment Benefit (Ashva cards generated on/after 1st Sep 2025): earn up to 7,500 reward points - Milestone 1: 2,500 RP on successful realization of the joining fee.
Ashva Credit Card - Joining Fee Payment Benefit Terms & ConditionsWhat are the transfer ratios for Ashva Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.idfcfirst.bank.in/credit-card/metal-credit-card/ashva.
VerifiedAshva Credit Card product page21 Jul 2026, 2:07 PM ISTIDFC FIRST Bank
Verified 2026-07-27 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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