Credit Cards · Honest Review
IDFC FIRST Ashva Credit Card
IDFC FIRST Bank · Visa
Your Verdict
- ✓Metal credit card with best-in-class travel benefits
- ✓5X reward points on international spends (≈2% return)
- ✓Unlimited domestic and international lounge access
- ✓10,000 welcome reward points on issuance
- ✓Points redeemable for flights, hotels, and travel at ₹0.40/point
What IDFC FIRST Ashva Credit Card costs you
IDFC FIRST Ashva Credit Card carries a ₹9,999 annual fee and a ₹9,999 one-time joining fee. There is no spend-based annual fee waiver.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹9,999 |
| Joining fee (one-time) | ₹9,999 |
| Foreign transaction fee (forex markup) | Not disclosed / standard rates apply |
What you earn on every rupee spent
IDFC FIRST Ashva Credit Card earns 2.50% on all eligible spends as a base reward rate, with accelerated rates on travel & flights and other bonus categories listed below. Each reward point is worth ₹0.4 when redeemed, giving a clear rupee value for your earnings.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 2.50% |
| ✈️ Travel & Flights | 5% |
10,000 reward points on card issuance
Reward types: Points · Miles · Lounge
Beyond the reward rate
The non-reward benefits on IDFC FIRST Ashva Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for IDFC FIRST Ashva Credit Card
IDFC FIRST Ashva Credit Card requires a minimum net monthly income of ₹2,00,000 for salaried applicants and a CIBIL score of 800 or above. It is open to salaried and self-employed applicants.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹2,00,000 |
| CIBIL score | 800+ (good to excellent) |
| Age range | 21–60 years |
| Employment type | Salaried & self-employed |
| Typical approval time | 7–10 working days |
Who should (and shouldn't) get IDFC FIRST Ashva Credit Card
- → Heavy spenders on travel & flights who want 5% back
- → Frequent travelers who value airport lounge access
- → Low spenders who won't recover the high annual fee
- → Applicants with monthly income below ₹2,00,000
IDFC FIRST Ashva Credit Card — Questions answered
What is the annual fee for IDFC FIRST Ashva Credit Card?
What is the minimum income required for IDFC FIRST Ashva Credit Card?
What is the reward rate on IDFC FIRST Ashva Credit Card for travel & flights?
Does IDFC FIRST Ashva Credit Card provide airport lounge access?
How long does it take to get IDFC FIRST Ashva Credit Card approved?
How long does it take to get IDFC FIRST Ashva Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.