The IDFC FIRST Ashva Credit Card is a mid-premium travel card that punches above its ₹2,999 fee. You get 24 airport lounge visits a year including international ones, extra railway lounge visits, zero forex markup and up to 40X reward points on travel booked through the IDFC FIRST app.
Lounge access
| Type | Allowance | Per year |
|---|---|---|
| Domestic airport lounges | 4 per quarter | 16 |
| International airport lounges | 2 per quarter | 8 |
| Railway lounges | 4 per quarter | 16 |
How the rewards work
| Spend | Earn rate |
|---|---|
| Monthly spends up to ₹20,000 | 5X Reward Points |
| Incremental spends above ₹20,000 | 10X Reward Points |
| Hotels and flights via Travel & Shop in the IDFC FIRST app | Up to 40X Reward Points |
Good to know: points are worth up to ₹0.40 each when redeemed for eligible travel bookings. Redeeming for other things may give less value, so travel redemptions are the best use.
The welcome offer gives up to 7,500 points worth up to ₹3,000: 2,500 when you pay the joining fee and 2,500 each for spending ₹20,000 in the second and third statement cycles. That effectively refunds the first year’s fee.
Is the fee worth it?
From the second year, a traveller who takes one foreign trip and a few domestic flights can get most of the value from lounges and zero forex alone. Add monthly Buy 1 Get 1 movie tickets (up to ₹500 off the second ticket, twice a month) and points on ₹20,000+ of monthly spending, and the ₹2,999 fee is easy to justify. If you cannot meet the ₹20,000 monthly spend, several perks will stay locked.
Other benefits
- Movies: Buy 1 Get 1 on BookMyShow twice a month, with ₹20,000+ spend in the previous month.
- Golf: 12 lessons a year (1 a month) and 4 complimentary rounds, with the same spend condition.
- Trip cancellation cover: up to ₹50,000, twice a year, for eligible non-refundable flight and hotel cancellations.
Fees and charges
| Joining fee | ₹2,999 + GST |
|---|---|
| Annual fee | ₹2,999 + GST from the second year |
| Annual fee waiver | Spend ₹8,00,000 in the preceding year |
| Forex markup | 0% |
Eligibility
| Age | 21 to 65 years |
|---|---|
| Employment | Salaried or self-employed |
| Credit score | 710 or above |
| First credit card? | Not allowed |
Documents you will need
- Identity: PAN card (or Form 60)
- Address: Aadhaar, passport or a recent utility bill
- Income: latest salary slips or bank statements
- Photo: a recent passport-sized photograph
How to apply
- Tap Apply on IDFC FIRST Bank site on this page to open the official credit card application.
- Enter your details in one session, using the mobile number linked to your Aadhaar for OTP checks.
- Complete video KYC when prompted, ideally from your current address.
- Once the card is issued, set it up in the IDFC FIRST app and make your first transaction to unlock the welcome benefits.
Who should get it, and who shouldn’t
Get it if you travel a few times a year, including abroad, spend around ₹20,000 a month on cards and are happy to book trips through the IDFC FIRST app to earn the top rate.
Skip it if you rarely fly. A lifetime free card such as the IDFC FIRST Credit Card already gives zero forex markup without the ₹2,999 fee.
