IDFC FIRST Ashva Credit Card
IDFC FIRST Bank · Visa
Why this card?
- 10.67% back in reward points on travel at Idfcapp; 0.83% on other spends
- ₹2,999 joining and annual fee; renewal fee waived on ₹2 lakh yearly spend
- 16 domestic and 8 international airport lounge visits a year
- Zero forex markup and 1% fuel surcharge waiver
Card details
- Issuer
- IDFC FIRST Bank
- Network
- Visa
- Annual Fee
- ₹2,999
- Joining Fee
- ₹2,999
- Reward Type
- points
- Best Reward Rate
- 10.67% on travel at idfcapp
- Forex Markup
- Zero
- Domestic Lounge
- 16/yr
- Min. Monthly Income
- ₹40,000
- Rates verified
- 2026-10-06
Our verdict
IDFC FIRST Ashva is a metal Visa Infinite card for lifestyle-focused urban professionals. It has a 0% forex markup and 16 domestic plus 8 international lounge visits a year. Spends earn 5X points (about 0.83% back) up to ₹20,000 per statement cycle and 10X (about 1.67%) above that, and hotel and flight bookings through the IDFC app earn far more. The fee is ₹2,999 a year, waived at ₹2 lakh annual spend. The issuer has said international spends will earn 2X instead of 5X from 26 October 2026.
Pros
- 0% forex markup
- 16 domestic and 8 international lounge visits a year
- 5X points up to ₹20,000 per cycle and 10X on spends above that
- Up to about 10.67% back on hotels and 6.67% on flights booked via the IDFC app
Cons
- ₹2,999 annual fee, waived at ₹2 lakh annual spend
- Top travel rates are limited to bookings through the issuer's app
- International earn drops from 5X to 2X from 26 October 2026
- Reward redemption less flexible than HDFC or Axis