About IDFC First Bank Ashva Metal Credit Card
IDFC FIRST Ashva Credit Card is a semi-premium metal premium credit cards option designed for users who want benefits across categories like travel, lounge access, and rewards. The card offers up to 10X reward points, but this higher rate is applicable only when your monthly spending exceeds ₹20,000. With a redemption value of ₹0.25 per point, the overall return comes to around 1.66%, which is slightly low for this segment.
This card is mainly suitable for high spenders who want travel and lifestyle benefits. It offers airport lounge access when you spend at least ₹20,000 in the previous month, which is easy for regular users. However, to fully enjoy benefits like golf privileges, you need higher monthly spending. If you are considering an IDFC credit card, this can be a decent option for balanced usage.
The card also comes with Visa Infinite benefits that improve your experience with services like airport meet & greet and concierge support. In addition, you get benefits like free movie tickets, railway lounge access, low forex markup of 1%, and insurance cover. Overall, it is a good option for users who spend regularly and want simple benefits across multiple categories.
The Ashva Credit Card by IDFC FIRST Bank is a premium metal credit card packed with multiple lifestyle and financial benefits. It offers cashback, rewards, low forex markup, and complimentary access to airport and railway lounges.
IDFC First Bank Ashva Metal Credit Card Rewards Program
Rewards Program:
- Earn 10X reward points on monthly spends above ₹20,000 and on birthday spends
- Earn 5X reward points on monthly spends below ₹20,000
- Earn 3X reward points on spends of ₹2,000+ for rent, wallet loads, education & government payments via FIRST Digital Credit Card
- Earn 1X reward point on spends below ₹2,000 via FIRST Digital Credit Card, and on utility & insurance payments
- 1 Reward Point = ₹0.25 (redeemable value)
- Reward rate: 1 point for every ₹150 spent
Suggested Read: Best Rewards Credit Cards for Everyday Spending
Other Features and Benefits
Welcome Benefits
- ₹500 cashback on each of the first 4 transactions of ₹500 or more within 60 days of card activation
- 2,500 bonus reward points upon successful delivery of the Ashva Credit Card
Travel Benefits
- Low forex markup fee: Only 1%
- Up to 16 complimentary domestic lounge/spa visits per year (4 per quarter)
- Up to 8 complimentary international lounge visits per year (2 per quarter)
- Up to 16 complimentary railway lounge visits at select terminals (4 per quarter)
- One free guest access allowed at railway lounges with a valid train ticket
Also Check: Best Travel Credit Cards
Free Trip Cancellation Protection
- Reimbursement up to ₹25,000 on non-refundable flight/hotel booking cancellations
- Valid for 2 claims per year
Hotel Benefits
- ₹5,000 flat discount on bookings worth ₹25,000 or more at The Postcard luxury hotels & resorts
- Valid once every quarter
Golf Benefits
- Up to 24 complimentary golf rounds or lessons per year (max 2 per month)
- 1st round/lesson free on monthly spend of ₹20,000
- 2nd round/lesson free on monthly spend of ₹40,000 in previous cycle
Suggested Read: Best Golf Credit Cards in India for 2026
Movie Benefit
- Buy 1 Get 1 offer on movie tickets on BookMyShow
- Up to ₹400 off on the second ticket
- Offer valid twice per month
Also Check: Best Entertainment Credit Cards
Milestone Benefit
- Get 7,500 reward points (worth ₹1,875) on spending ₹8 lakh in a year
Fuel Surcharge Waiver
- 1% fuel surcharge waiver
- Maximum waiver: ₹300 per month
- Applicable on fuel spends between ₹200 to ₹5,000
Visa Infinite Privileges
- Complimentary 1-night stay at ITC Hotels & Elivaas with 2-night booking
- 50% off on 2nd night stay at ITC Hotels & Elivaas
- Discounts on airport meet & greet and transfers at 450+ global destinations
- Personalized travel assistance for flights, stays, dining, and activities
- Exclusive luxury hotel benefits: discounts, free breakfast, room upgrades, and more
Insurance Benefits
- Air Accident Cover: ₹1 Crore
- Personal Accident Cover: ₹10 Lakh
- Lost Card Liability Cover: ₹50,000
- Loss of Checked-in Baggage: USD 500
- Delay of Checked-in Baggage: USD 100
- Flight Delay & Passport/Document Loss: USD 300 each
- Roadside Assistance: Worth ₹1,399
Also Read: Best Credit Cards in India 2026
Fees and Charges
| Fee Type | Amount |
|---|
| Joining Fee | Rs. 2,999 + Applicable Taxes |
| Annual Fee | Rs. 2,999 + Applicable Taxes |
| Finance Charges | 0.75% to 3.99% p.m. (9% to 47.88% p.a.) |
| Late Payment Charges | 15% of total amount due as per the previous statement minus any payments received before the due date (subject to a min. of Rs. 100) |
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Document Required For IDFC First Bank Ashva Metal Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Click here to know More Terms and Conditions
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
IDFC First Bank Ashva Metal Credit Card Highlights
What do we like about this card?
- ₹2,000 cashback + 2,500 bonus reward points as welcome benefits
- Up to 16 domestic lounge/spa and 8 international lounge visits annually
- 1% low forex markup + free trip cancellation cover up to ₹25,000
- 24 complimentary golf rounds/lessons per year + BOGO movie tickets
- Premium Visa Infinite lifestyle, travel, and dining privileges
Things to Know Before you apply
Get this card if:
- You can spend ₹8 Lakh annually to unlock maximum milestone rewards.
- You travel frequently and need a credit card with travel, lounge, and hotel perks.
- You want a premium metal card with strong lifestyle benefits.
- You consistently spend over ₹20,000/month to earn 10X accelerated reward points.
Pros
- Complimentary access to domestic & international airport lounges and railway lounges
- Accelerated rewards on rent, wallet loads, education, and government payments
- Low forex markup fee of just 1% — ideal for international travelers
- Free trip cancellation protection worth up to ₹25,000 per year
- Access to premium Visa Infinite privileges including luxury hotel offers and concierge services
Cons
- High annual fee of ₹2,999 with no waiver option
- Lounge and golf benefits require high monthly spends to unlock
- Lower reward redemption value (1 RP = ₹0.25) compared to premium cards
- No reward points on fuel or EMI transactions
Idfc Bank Credit Card Contact Details
- Contact Address: IDFC FIRST Bank Ltd. Naman Chambers, C-32, G Block, Bandra Kurla Complex, Bandra (East), Mumbai – 400051, Maharashtra, India
Helpline (24x7): 1800 10 888 (Toll-Free for all customers) - Simply SMS: Send “IDFCCREDIT” to 5676732 from your registered mobile number
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Frequently Asked Questions
No, reward points are not earned on fuel transactions. However, you get a 1% fuel surcharge waiver on spends between Rs. 200 and Rs. 5,000, capped at Rs. 300 per month.
Yes. You will not earn 10X rewards on spends in the following categories: education, wallet loads, government payments, rent and property management/purchase transactions, utilities, insurance, EMIs, cash withdrawals, fuel, and fees & charges.
The joining and annual fee is Rs. 2,999. However, you get welcome benefits worth Rs. 2,000, including Rs. 500 cashback on each of the first 4 transactions of Rs. 500 or more made within 60 days of card issuance.
Yes. You get up to 16 complimentary domestic airport lounge or spa visits per year, and up to 8 complimentary international lounge visits annually. To avail these benefits, you must spend at least Rs. 20,000 in the previous month.
The joining fee must be paid once the digital card has been issued. However, it can be paid anytime before the first statement due date.
Yes, the Ashva Credit Card allows cash withdrawals from ATMs.
Yes, the card offers both domestic and international lounge access.
Reward points remain valid as long as the card account is active.
