IDFC FIRST Ashva Credit Card
Fees
1st Year Fee: ₹2,999* Plus Applicable Taxes
Joining & annual
Reward Rate
Up to 10X reward points on eligible spends above ₹20,000/month; international/forex spends reduced from 10X to 5X, effective 18 Jan 2026
Welcome Bonus
N/A
Lounge
16 Domestic + 8 International/yr (₹20K Spend)
Recent changes
Our Expert Take
IDFC FIRST Ashva keeps things simple: up to 10X rewards on everyday spends, zero forex markup, and 16 domestic lounge visits a year. There's no disclosed joining bonus, so the value here is entirely in the ongoing reward rate and lounge access.
Reward limits
Checked 11 Oct 2026 · Bank terms
-
Reward points on all spends
Up to your credit limit per billing cycle
Pros & Cons
Key Advantages
- Up to 10X reward points on eligible spends above ₹20,000/month
- Zero forex markup since 18 September 2026
- Generous domestic travel integration providing up to 16 complimentary lounge visits per year
Limitations
- Upfront joining and annual fee barrier of ₹2,999
- Value yield is mostly optimized around domestic lounge networks; international/forex spend rewards were cut from 10X to 5X effective 18 Jan 2026
Key Perks & Spending Milestones
Up to 10X reward points generated on matching everyday card retail outlays
Zero forex markup on international spends (IDFC FIRST removed markup on all its credit cards from 18 Sep 2026)
Up to 16 complimentary domestic airport lounge terminal access visits per year across India
Includes additional premium lifestyle category perks spanning travel, movies, and rewards
Spend milestone
Unlock spend-based point boosts, tiered premium category tracking, and seasonal travel program expansions upon hitting targeted annual milestones
Fees & Charges
Joining fee
1st Year Fee: ₹2,999* Plus Applicable Taxes
Annual fee
1st Year Fee: ₹2,999* Plus Applicable Taxes
Refer to bank guidelines for standard spend-based renewal thresholds
Interest rate
Subject to standard IDFC FIRST Bank premium tier dynamic interest rate structures
Late payment fee
Nil for balance up to ₹500; ₹500 for ₹501-₹5,000; ₹750 for ₹5,001-₹10,000; ₹1,100 for balance above ₹10,000.
Insurance & Protection Benefits
Eligibility Criteria
age
21 to 65 years
employment profiles
Salaried and Self-Employed Profiles
Credit score & income
Good to Excellent (750+)
Frequently Asked Questions
Did IDFC FIRST Ashva's rewards change in 2026?
How many lounge visits does Ashva offer?
What's Ashva's forex markup fee?
Compare IDFC FIRST Ashva Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| IDFC FIRST Ashva Credit Card This Card | 1st Year Fee: ₹2,999* Plus Applicable Taxes | Up to 10X reward points on eligible spends above ₹20,000/month;... | 16 Domestic + 8 International/yr (₹20K Spend) | 3.5/5 |
| HDFC Infinia Credit Card Metal Edition | ₹12,500 + Taxes | 5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings | Unlimited Domestic + International | 4.9/5 |
| Axis Bank ATLAS Credit Card | ₹5,000 + Taxes | 5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends | 8 Domestic + 4 International/yr | 4.8/5 |
| Axis Bank Burgundy Private Credit Card | ₹50,000 + Taxes | 15 EDGE Reward points per ₹200 spent on retail and international... | Unlimited Domestic + International | 4.8/5 |