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IDFC First Ashva Credit Card

3.5 from 300 Users

All Card USPs

Up to 10X reward points on purchases

with accelerated points across shopping categories

₹500 cashback on first four transactions

of ₹500 or more completed within 60 days of card issuance, totaling up to ₹2,000

Buy-One-Get-One movie tickets

with discounts up to ₹400 twice a month on Bookmyshow

6 complimentary airport lounge visits

annually with 4 domestic and 2 international lounge visits

Best For

Shopping

Airport Lounge

Travel

Joining/Annual Fees

Joining Fees

₹3,539 ( ₹2999 + GST )

Joining fee is offset through 2,500 reward points on payment of the joining fee.

Annual Fees

₹3,539 ( ₹2999 + GST )

N/A

Eligibility

Age Criteria

21-65 years

Salary Criteria

12 LPA

Credit Rating*

750+

See if you are eligible for this card

Pin Code*

​

Monthly In Hand Income*

​₹
​

Income Type*

Salaried
Self

How to redeem?

Rewards Conversion Rate

1 Reward Points = ₹0.25

Redemption Options

You can redeem your points here:

  • Travel (Flights & Hotels via IDFC FIRST App): 1 Reward Point = ₹0.40
  • Other Redemptions / General spends: 1 Reward Point = ₹0.25 (i.e., 4 points = ₹1)

To check redemption catalogue

Click Here

All Card Benefits

All Benefits

  • Receive ₹500 cashback on each of your first four transactions worth ₹500 or more, completed within 60 days of card issuance, totaling up to ₹2,000.
  • Enjoy 4 complimentary visits to domestic airport lounges per year.
  • Access 2 complimentary international airport lounge visits annually.
  • Cancel flight and hotel bookings with a "Cancel for Any Reason" cover and get reimbursement of up to ₹25,000 twice a year on the non-refundable portion of your booking.
  • Earn 10X Reward Points on spends above ₹20,000 and on your birthday.
  • Earn 5X Reward Points on spends up to ₹20,000 in a statement cycle.
  • Reward Points never expire, allowing you to redeem them at your convenience.
  • Enjoy a 1% fuel surcharge waiver on transactions between ₹200 and ₹5,000, with a maximum waiver of ₹400 per billing cycle.
  • Avail a "Buy One Get One Free" offer on movie tickets booked through BookMyShow, with a discount of up to ₹400, twice a month.
  • Benefit from low 1% forex markup fees on international transactions.
  • Enjoy up to two complimentary golf sessions per month.
  • Access to global concierge services for personalized travel and lifestyle assistance.

Bank Exclusions

You will not earn points / cashback on spends in the following categories

For Points / Cashback Earnings

Fuel Spends

Insurance Payments

Education Payments

Wallet Loads

Government Payments

Rent Purchases

Utility Bills

EMIs

Cash Withdrawals

For Spends Waiver

Fuel Spends

Insurance Payments

Education Payments

Wallet Loads

Government Payments

Rent Purchases

Utility Bills

EMIs

Cash Withdrawals

Bank Fee Structure

StructureDetails
Forex Markups

1% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency.
Examples (1%) :
₹100 → ₹1
₹1,000 → ₹10
₹10,000 → ₹100
₹1,00,000 → ₹1000

1%
APR Fees

Interest rates are dynamic and range from 0.71% to 3.85% per month (8.5%–46.2% p.a.).

3.85%
ATM Withdrawl

A ₹199 fee is charged per domestic cash withdrawal, with 0% interest until the due date (up to 45 days).

₹199
Reward Redemption Fees

₹99 + GST reward redemption fee

₹99
Link for all T&Cs
Click Here
Railway Surcharge

1% fee beyond ₹25,000 Passenger Railway spends per statement cycle; platform charges extra.

1%
Rent Payment Fees

1% rent payment fee applies.

1%
Cheque Payment Fees

A fee of 2% of the payment amount (minimum ₹500) is levied for cheque return, cheque dishonour, or auto-debit reversal.

N/A
Cash Payment Fees

N/A

N/A
Late Payment Fees

Late payment charges are 15% of the Total Amount Due from the previous statement, minus any payments received before the due date (minimum ₹100, maximum ₹1,300).

Amount Due
₹0 - ₹100 ₹0
₹500 ₹100
₹5000 ₹750
₹8000 ₹1200
₹10,000 ₹1300
₹10,000 & above ₹1300

Apply for this card

TOP USPs

Up to 10X reward points on purchases

with accelerated points across shopping categories

₹500 cashback on first four transactions

of ₹500 or more completed within 60 days of card issuance, totaling up to ₹2,000

Apply Now