IDFC First Ashva Credit Card: Fees, Rewards & Benefits
Travel card with lounge access
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The IDFC First Ashva is a premium travel card with standout 50 points per Rs 150 in-app travel earning, 16 domestic and 8 international lounge visits and a low 1% forex markup. The Rs 2,999 fee without an easy waiver and reduced earning on fuel and utilities mean it rewards travel-focused, app-savvy spenders most.
Travel card with lounge access
The Bottom Line
The Ashva is built for app-booking traveller and international spender. With a ₹2,999 annual fee, it offers 5% rewards on idfc first bank mobile app (travel & shop) (hotel) and 7,500 bonus points. It makes the most sense if your spending matches app-booking traveller and international spender.
It earns a base reward rate of 0.8333333333333334% and stacks best when your spending lines up with App-Booking Traveller, International Spender.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealTravellers who book travel through the IDFC FIRST app to capture up to 50 points per Rs 150 and use 16 domestic plus 8 international lounge visits
Frequent overseas users who benefit from the low 1% forex markup and Visa Infinite privileges
Probably not for
SkipThose wanting an easy spend-based fee waiver, which this Rs 2,999 card does not offer
Users paying mostly utilities or fuel, which earn little or no reward points
Is It Worth It For You?
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Reward Rates
Ashva offers 0.8333333333333334% basic reward rate.
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Welcome Offer
Joining Fee Payment Benefit (applicable to Ashva cards generated on/after 1-Sep-2025, one-time per customer): 2,500 Reward Points on realization/payment of the joining fee, plus 2,500 Reward Points each for net settled spends of ₹20,000 or more in the 2nd and 3rd statement cycles after card generation (total up to 7,500 points, worth up to ₹3,000 at ₹0.40/point). Structured by statement cycle rather than a fixed day-count window, so spend_period_days is left null. Excludes cash withdrawals, EMI installments, fees/charges, interest, GST, and reversed/refunded spends from the milestone spend calculation; spends on the linked FIRST Digital RuPay Credit Card also count.
Milestone Benefits
Annual Fee Payment Benefit: spend at least ₹8,00,000 in the previous card-anniversary year AND pay the ₹2,999+GST annual fee to receive 7,500 Reward Points (worth up to ₹3,000 at ₹0.40/point). This is a spend-linked rebate, not a fee waiver — the annual fee must still be paid in full; only net settled spends count (excludes cash withdrawals, fees/charges/GST, and reversed transactions).
Fees & Charges
Eligibility
- Min Income: ₹12 Lakhs
- Min Credit Score: 750
- Age 21+; min annual income ₹12L (salaried or self-employed); CIBIL 750+; annual fee ₹2,999; no spend-based fee waiver.
Exclusions & Terms
Forex markup
- Foreign currency markup
EMI Conversion
- Transactions converted into EMI do not earn Reward Points.
Fees, Charges and GST
- Fee/charge amounts and the corresponding GST do not earn Reward Points.
Loan on Card
- Does not earn Reward Points.
Balance Transfer
- Does not earn Reward Points.
Cash Withdrawal
- Cash withdrawal transactions do not earn Reward Points; separately, interest-free ATM cash withdrawal for up to 45 days is offered as a benefit.
Transactions below ₹150
- Any transaction valued below ₹150 does not earn Reward Points.
Frequently Asked Questions
3 data-backed answers from our card database
Ready to apply?
₹2,999 annual fee. Apply on the IDFC First Bank website.
Apply on IDFC First Bank →We may earn a commission if you apply through this link. It never affects our ratings.
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