IDFC

IDFC FIRST Ashva Credit Card

Apply for IDFC First Ashva Credit Card for 10X rewards, 16 domestic lounges, free movies twice/month & 1% forex. Best for lifestyle spenders.

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Issued by

IDFC

IDFC FIRST Ashva Credit Card image
Joining Fee₹2999
Annual Fee₹2999
Income₹100000
Credit Score750

Key Highlights

Earn up to 60 Reward Points on Hotel Bookings

via the IDFC FIRST Bank Mobile App, capped at 15,000 bonus Reward Points per calendar month

Travel

Enjoy 4 complimentary Domestic Airport Lounge

visits, minimum monthly spends of ₹20,000

Shopping

Up to 10X Reward Points

on eligible incremental spends above ₹20,000 in a monthly statement cycle

Travel

Enjoy a low forex markup of just 1%

on international transactions also applicable to international transactions charged in Indian currency

Earn 7,500 Reward Points Worth up to ₹3,000

as an annual fee benefit on spends of ₹8 lakhs in the previous anniversary year

Travel

Enjoy 2 complimentary International Airport Lounge

visits, minimum monthly spends of ₹20,000

Eligibility

Age Criteria21-65

Applicants must be between 21 and 65 years at the time of application.

Credit Score750

A CRIF score of 750 or above is required as per the bank’s eligibility criteria.

Salaried Income₹12 LPA

Minimum Annual Income of ₹12 LPA is required to apply for the IDFC Ashva Credit Card, as per bank eligibility.

Self-employed Income₹15 LPA

Minimum Annual Income of ₹15 LPA is required to apply for the IDFC Ashva Credit Card, as per bank eligibility.

Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining Fee₹2999
Joining Fee OffsetJoining fee is offset through 2,500 reward points on payment of the joining fee.
Annual Fee₹2999
Annual Fee WaiverThe annual fee is not waived under any spending conditions.
Estimated Annual Saving₹14000

Rewards & Redemption

Reward Conversion1 Reward Points = ₹0.25
Redemption Options
  • Flights & Hotels Booking
Earning ExclusionsFuel Spends, Insurance Payments, Education Payments, Wallet Loads, Government Payments, Rent Purchases,Utility Bills, EMIs,Cash Withdrawals
Spend ExclusionsFuel Spends, Insurance Payments, Education Payments, Wallet Loads, Government Payments, Rent Purchases,Utility Bills, EMIs,Cash Withdrawals

Benefits

All Benefits

  • Enjoy a low forex markup of just 1% on International transactions also applicable to international transactions charged in Indian currency
  • Up to 4 Indian airport lounge visits, 2 global airport lounge visits, and 4 railway lounge visits per quarter, subject to minimum monthly spends of ₹20,000
  • Flat ₹5,000 discount on bookings of ₹25,000 or more at The Postcard Hotels & Resorts, once every calendar quarter using promo code IDFCVIP
  • Annual fee benefit of 7,500 Reward Points (worth up to ₹3,000) on spends of ₹8 lakhs in the previous anniversary year, subject to payment of the ₹2,999 + GST annual fee
  • Up to 60 Reward Points per ₹150 on hotel bookings and 40 Reward Points per ₹150 on flight bookings via the IDFC FIRST Bank Mobile App, capped at 15,000 bonus Reward Points per calendar month

Flight Benefits

  • Earn 40 Reward Points per ₹150 on flight bookings made via the Travel & Shop section of the IDFC FIRST Bank Mobile App, capped at 15,000 bonus Reward Points per calendar month

Airport Lounge Benefits

  • Enjoy up to 4 complimentary visits per quarter to participating airport lounges at Indian airports (domestic and international terminals)
  • Enjoy up to 2 complimentary visits per quarter to participating lounges at select global airport terminals, shared between primary and add-on cardholders

Railway Lounge Benefits

  • Enjoy up to 4 complimentary railway lounge visits per quarter at participating railway lounges in India
  • Access requires minimum monthly spends of ₹20,000

Fuel Surcharge Waiver Benefits

  • 1% fuel surcharge waiver on transactions

Insurance Benefits

  • Cancel for Any Reason insurance: Reimbursement up to ₹25,000 twice a year on non-refundable flight and hotel bookings

Milestone Benefits

Minimum Spend₹800000
Within365 days
Reward Points Bonus7500

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards

FAQ

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