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IDFC FIRST Ashva Credit Card
IDFC FIRST Bank

IDFC FIRST Ashva Credit Card

Metal travel card with 0% forex at a mid-range fee

Joining fee₹2,999 + GST
Annual fee₹2,999 + GST
NetworkVisa
Forex markup0%
LoungeYes
Best forTravel
Apply on issuer site Compare
Details checked October 2026

01Rewards

Spends up to ₹20,000/month5 RP per ₹150 (~0.83%)
Spends above ₹20,000/month10 RP per ₹150 (~1.67%)
Rent, wallet, education, government3 RP per ₹150

Redemption: ₹0.25 per point (₹0.40 on travel in the IDFC FIRST app). Points never expire.

02Fees, benefits & charges

Fee waiver
No spend-based waiver
Welcome benefit
7,500 RP in three tranches
Milestones
7,500 RP on ₹8 lakh annual spend
Airport lounges
Up to 16 domestic + 8 international visits a year, on ₹20,000 spend in the previous month
Forex markup
0% (per IDFC FIRST’s Sep 2026 key fact statement)
Fuel
1% surcharge waiver up to ₹300/cycle
No rewards on
Fuel, EMI, cash advances

03Highlights & watch-outs

Highlights

  • 0% forex and keeps earning on international spends
  • Golf and movie BOGO perks
  • Points never expire

Watch out for

  • Needs ~₹36,000/month spend to justify the fee
  • Perks are tied to ₹20,000 monthly spend

Suits: Travellers who want zero forex without paying for Mayura.

04FAQs

What is the annual fee of the IDFC FIRST Ashva Credit Card?
The annual fee is ₹2,999 + GST, and the joining fee is ₹2,999 + GST. No spend-based waiver
Does the IDFC FIRST Ashva Credit Card offer airport lounge access?
Up to 16 domestic + 8 international visits a year, on ₹20,000 spend in the previous month
What is the forex markup on the IDFC FIRST Ashva Credit Card?
The foreign currency markup is 0% (per IDFC FIRST’s Sep 2026 key fact statement).
Which spends don’t earn rewards on the IDFC FIRST Ashva Credit Card?
Fuel, EMI, cash advances.
ⓘBefore you apply: fees and rewards above were checked in October 2026 from issuer pages and public sources. Banks can change terms at any time — the issuer’s application page is the final word. Approval depends on the bank’s own checks.
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