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IDFC FIRST Ashva Credit Card

(

4.7

)

Beginner

Best For: Travel, Grocery, Entertainment

From

Approval Rate:

Elementor Single Post #221

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IDFC FIRST Ashva Credit Card

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Fees & Charges

Rewards

Features

Tools

Eligibility

Pro's & Cons

Card Details

Type of Card

Rewards

Reward %

1.66%

Joining Fees

₹

2999

Renewal Fees

2999

APR

47.88%

Welcome Benefit

  • 2,500 reward points on payment of joining fee
  • Additional 2,500 reward points on spending Rs. 20,000 or more in the second billing cycle
  • Additional 2,500 reward points on spending Rs. 20,000 or more in the third billing cycle

Renewal Benefits

  • 2,500 reward points on payment of renewal fee

USP's:

Luxury Benefits : 24 complimentary golf rounds and golf lessons per year

Buy one and get up to Rs. 400 off on the 2nd movie ticket on District app, twice every month

Fees & Charges

Joining & Renewal Fees

Rs. 2999, Rs. 2999

Interest & Charges

APR : 47.88% Per annum
Forex Fee: 1%
Late Payment Charges:
15% of total amount due as per the previous statement minus any payments received before the due date
Fuel Surcharge Waiver:
1% fuel surcharge waiver, up to Rs. 300 per month, on all fuel spends worth Rs. 200 to Rs. 5,000

Additional Charges

Add-on Card Fee : Rs.1000
Reward Redemption Fee:
Rs. 99 per redemption request

Rewards

Accelerated rewards on Travel & Hotel bookings via “Travel & Shop” section on IDFC First Bank Mobile Banking App.

Milestone Benefits

Complimentary 7500 Reward Points (worth ₹1,875) on annual spending of ₹ 800,000 in the previous year

Exclusions

Fuel, UPI

Rewards capping

Nil

Rewards Validity

Do not expire

Redemption modes

Travel
Catalogue Products

Additional Features

travel-3d

Lounge Benefits

  • Domestic Airport : 16 Per Year
  • International Airport : 8 Per Year
cashback-3d

Insurance Benefits

  • Personal accident cover - ₹ 10 lakhs
  • Air accidental cover - ₹ 1 crore
  • Lost card liability - ₹ 50,000
3902003

Other Perks

  • Up to 24 golf rounds/lessons per year, maximum 2 every month
  • Buy one and get up to Rs. 400 off on the 2nd movie ticket on District app, twice every month
  • Complimentary night stay at ITC Hotels & Elivaas on booking for 2 consecutive nights
  • 1 complimentary domestic airport meet and greet service every year on annual spends of USD 1,000 at international POS
  • Discount on fast-track immigration, transfer limousine and domestic meet & greet services at airport

Eligibility Criteria

Age

21Y

Min

60Y

Max

Credit Score

750

Ex Min

Income

(

Salaried Income

)

₹

1200000

Income

(

ITR for Self Employed

)

₹

1200000

Other: Card-to-card eligibility requirements.

Pros

Low Foreign Currency (Forex) Markup of just 1% on international spends.
Complimentary Trip Cancellation Cover (up to ₹25,000, twice a year).
Extensive complimentary access to domestic, international, and railway lounges.
High accelerated rewards rate (10X) on incremental spends above ₹20,000/month.
Premium lifestyle benefits including complimentary Golf rounds/lessons and BOGO movie tickets.

Cons

High annual fee (₹2,999 + GST) with no direct waiver option.
Lounge and Golf benefits are spend-based (requires ₹20,000+ monthly spend).
Reward redemption fee of ₹99 + GST is charged per transaction.
Low base reward rate (0.83%) on spends below the ₹20,000 monthly threshold.
No reward points earned on categories like fuel, EMI, and wallet load.

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