Travel
IDFC FIRST Ashva Credit Card
A mid-premium metal card with 0% forex markup, up to 16 domestic and 8 international lounge visits, movie and golf benefits, and 1.67% back on spends above ₹20,000 a month.
Joining fee₹2,999 + GST
Annual fee₹2,999 + GST
Fee waiverNone
Top reward10 points per ₹150 above ₹20,000
Lounge16 domestic + 8 international (spend-based)
Forex markup0%
Best for: People who spend ₹20,000 to ₹50,000 a month and travel abroad a few times a year.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Spends up to ₹20,000 a month | 5 points per ₹150 (about 0.83%) | – |
| Spends above ₹20,000 a month | 10 points per ₹150 (about 1.67%) | – |
| International spends | 5 points per ₹150 | – |
| Rent, wallet, education, government | 3 points per ₹150 | – |
| Fuel, EMI, cash advances | Nothing | – |
- 1 point = ₹0.25 as statement credit, or ₹0.40 on IDFC FIRST app travel.
- Points never expire; ₹99 redemption fee.
- Points are earned only on spend up to your credit limit each cycle.
Benefits
Welcome benefit
- 7,500 points in three parts: on paying the fee, then on ₹20,000 spend in each of the 2nd and 3rd statement cycles.
Milestones
- 7,500 points on ₹8 lakh yearly spend, credited when the next fee is paid.
Travel and lounges
- Up to 16 domestic and 8 international lounge visits a year, with ₹20,000 spend in the previous month.
- 4 railway lounge visits a quarter.
- Trip cancellation cover up to ₹25,000, twice a year.
- ₹5,000 off a ₹25,000+ Postcard Hotels stay every quarter.
Fuel and forex
- 0% forex markup (from 9 Sep 2026).
- 1% fuel surcharge waiver on ₹200 to ₹5,000, up to ₹300 a cycle.
Other perks
- Movies: buy one get one up to ₹400 off, twice a month on District (needs ₹20,000 spend in the previous month)
- Golf: up to 2 rounds or lessons a month
Fees and charges
| Joining fee | ₹2,999 + GST (₹3,539) |
|---|---|
| Annual fee | ₹2,999 + GST, no spend waiver |
| Forex markup | 0% |
| Redemption fee | ₹99 |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Salaried or self-employed
- Income proof needed; IDFC FIRST does not publish a minimum
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- 0% forex markup
- Many lounge visits for the fee
- Movie and golf perks
Watch out for
- No fee waiver
- Benefits need ₹20,000 spend each month
- Low earn below ₹20,000 a month
Recent changes
- 26 Oct 2026IDFC FIRST says international spends stop earning points on most of its cards.
- 9 Sep 2026Forex markup cut from 1% to 0%.
- 18 Jan 2026International earn cut from 10X to 5X.
Frequently asked questions
Ashva or Mayura?
Mayura costs ₹5,999 and adds more international lounges and bigger travel bonuses. Ashva at ₹2,999 suits most people who travel abroad once or twice a year.
Ready to apply for the IDFC FIRST Ashva Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
Apply nowSimilar cards
Sources: CardAdvisor. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.