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Ashva Metal
Credit Card
Metal Credit Card
Rooted in India, embracing the world
Introducing the Ashva Metal Credit Card – add a touch of enchantment to everyday adventures.
#MadeOfIndia
A metal marvel
With its embedded metal body and solid 12g weight, the card symbolizes the strong and durable bond between a rider and his steed.
#MadeOfIndia
A fusion of tradition and modern luxury
Featuring two regal horses reminiscent of ancient folklore - it’s more than just a credit card – it’s a piece of Indian heritage in your hands.
#MadeOfIndia
Key Benefits of the Ashva Metal Credit Card
Higher Tier of rewards
Earn Up to 60X Reward Points Redemption value of up to ₹0.40 per Reward Point
Joining Fee Payment Benefit
Earn 7,500 Reward Points worth up to ₹3,000
Annual Fee Payment Benefit
Worth up to ₹3,000
Elevate every experience with metal card excellence
TRAVEL
Exceptionally low forex markup fee
Save on international transactions with forex markup at just 1%. T&C Apply*
TRAVEL
Airport lounge perks
Complimentary access to airport lounges 4 times in India & 2 times overseas, every quarter. T&C Apply*
TRAVEL
Free trip cancellation protection
Get reimbursed for non-refundable flight and hotel cancellations by up to ₹25,000, twice a year. T&C Apply*
TRAVEL
Railway lounge access
Get 4 complimentary railway lounge visits per quarter. T&C Apply*
TRAVEL
The Postcard Hotels & Resorts
Enjoy a flat discount of ₹5000 on a minimum booking of ₹25,000. T&C Apply*
Lifestyle
Premium golf privileges
2 complimentary golf rounds/lessons every month when you spend over ₹20,000 in a month. T&C Apply*
Lifestyle
Exclusive movie delights
Enjoy buy one, get one free movie tickets with a minimum discount of ₹400, twice a month. T&C Apply*
Lifestyle
Fuel surcharge waiver
Save on fuel costs with 1% waiver of up to ₹300 on fuel surcharges across India. T&C Apply*
VISA Infinite Privileges
Get a free stay at ITC Hotels
Enjoy exclusive offers on your hotel bookings
VISA Infinite Privileges
Get a free stay at Elivaas
Unlock exclusive discounts on your next trip
VISA Infinite Privileges
Airport Meet and Greet Service
Travel in style with personalised airport assistance.
VISA Infinite Privileges
Delectable dining discounts
Enjoy up to 20% off total bill* when you pay with your card at any participating restaurants.
VISA Infinite Privileges
Airport transfer discounts
Save on airport transfers with exclusive discounts on limousine services. T&C Apply*
VISA Infinite Privileges
Concierge at your fingertips
Get personalized assistance for all your travel needs. T&C Apply*
VISA Infinite Privileges
Luxury hotel benefits
Enjoy exclusive benefits and discounts at 900+ luxury hotels around the world. T&C Apply*
Comprehensive insurance
Accident and lost card liability cover
Stay protected with air and personal accident cover, and Lost Card Liability Cover of ₹50,000. T&C Apply*
Comprehensive insurance
Comprehensive travel insurance cover
Get comprehensive travel insurance coverage up to USD 1200. T&C Apply*
Comprehensive insurance
Roadside assistance
Receive 24/7 roadside assistance for any emergencies while traveling. T&C Apply*
Reward Points on Ashva Credit Card
Earn Up to 60X Reward Points
50X Bonus Points on Hotels, 30X Bonus Points on Flights Plus Up to 10X Points on credit card purchases
Reward Point value of upto ₹0.40
Maximize your reward point value by redeeming them for hotel & flight bookings via “FIRST Rewards Gallery” Section on IDFC FIRST Bank Mobile App
Fees and charges
- Joining fees₹2,999 + GST
- Annual Fee ₹2,999 + GST
- Upfront payment of Joining Fee + GST required for dispatch of metal credit card the fee is non-refundable.
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What Makes a Metal Credit Card Special?
Understand the unique features and appeal of owning a metal credit card.
Answering all your questions
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Benefits
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Reward Points
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Airport Lounge
Card Usage
What are the Joining Fee and Annual Fee of the Ashva Credit Card?
The Ashva Credit Card comes with a Joining Fee of ₹2,999 + GST and an Annual Fee (applicable from second card anniversary year) of ₹2,999 + GST. The Joining Fee will be levied on credit card application approval.
Why is the Joining Fee charged before card issuance?
IDFC FIRST Bank believes in complete transparency, and we want our customers to make an informed decision about their Joining Fee and its associated benefits. By asking for payment upfront, we are aligning with our core values of openness and trust, ensuring you have full cognizance about the applicable fee, before committing to this premium metal card. This process allows you to make a conscious choice in a responsible and transparent manner. By choosing this process we also aim to minimize wastage due to cancelled and returned cards.
How can I pay the Ashva Credit Card Joining Fee?
•You will receive communication from the bank to pay the Joining Fee as soon as your credit card application is approved.
•You can also pay the Joining Fee of 2,999 + GST by clicking here
•On the next page you must authenticate using the mobile number and date of birth as mentioned during the card application. The payment can be made using UPI and net banking.
My Ashva Credit Card is approved. When will I receive the metal card?
Once your Ashva Credit Card application is approved, upfront Joining Fee payment of ₹2,999 + GST is required to get the credit card dispatched. To pay the Joining Fee, click here
Why can’t I use my digital Ashva Credit Card for online purchases?
•As per the process, upfront Joining Fee payment is required to activate your digital card and dispatch of the metal card.
•On card application approval, you will receive communication to pay the Joining Fee. To pay the Joining Fee now, click here
Once the Joining Fee is paid, please make sure that you have enabled online (Ecom) transactions on the card. To enable online transactions, please click here
Can I use the Ashva Credit Card for online transactions before receiving the physical card?
Once the Joining Fee payment is completed, the credit card can be used for online transactions. To enable online transactions and to get the card details, please use the IDFC FIRST Mobile Banking App
When will I receive my Ashva Metal Credit Card after paying the Joining Fee?
On payment of joining fee, the metal credit card will be dispatched to your mailing address registered with the bank and should arrive in 5 working days. If your address has changed, please visit a nearby branch and get your address updated in the bank records. Once, the address is updated, please call 180010888 to get the card dispatched to the updated address.
What benefits do I receive on paying the Joining Fee?
On payment of joining fee, you can earn up to 7,500 reward points as a joining benefit. These are awarded in three parts:
• 2,500 reward points on successful payment of the joining fee
• 2,500 reward points on net spends of ₹20,000 or more in your 2nd statement cycle
• 2,500 reward points on net spends of ₹20,000 or more in your 3rd statement cycle
The benefit is available only once per customer. If you close the card and reapply, you will not be eligible for the benefit.
How is the credit limit determined for the Ashva Credit Card?
If you are applying for your first IDFC FIRST Bank unsecured credit card, you will get a credit limit as per our internal policies.
If you already have an IDFC FIRST Bank unsecured credit card, your new credit card will also have the same credit limit. The credit limit, however, will be shared across all unsecured credit cards.
How do I earn reward points on the Ashva Credit Card?
Yes. You will earn:
- 10X Reward Points on incremental spends above ₹20,000 in a statement cycle
- 5X Reward Points on spends up to ₹20,000 in a statement cycle
- 5X Reward Points on international spends, with eligible international transactions contributing towards your monthly 10X rewards milestone calculation.
- 3X Reward Points on Rent, Education, Government and Wallet Load transactions. 1X Reward Points on Insurance, Utility, Railways and Fastag transactions. Domestic and international transactions in these categories are not considered towards 10X milestone calculations.
- Reward points will not be given on spends converted to EMI, Cash Withdrawal, Fuel, Fee and Charges.
- 1X reward point is given for every ₹150 spent in a transaction.
Value of 1 reward point is
- ₹0.40 on travel bookings via “Travel & Shop” section on the IDFC FIRST Bank mobile app
- ₹0.25 on other redemption options
Are there exclusions for earning 10X reward points?
Education, Wallet Load, Government, Rent and Property Management/Purchase transactions, Utilities, Insurance, Railways, Fastag, EMI, Cash Withdrawal, Loan on credit card, Fuel, Fee and Charges.
Only those transactions which are settled by the merchant before the statement generation will be considered. If a transaction is settled after the statement is generated, it will not accrue 10X rewards. Rewards for such transactions will be credited after the next statement generation
What is the validity of reward points on the Ashva Credit Card?
The Ashva Credit Card provides the benefit of never-expiring reward points. The reward points remain valid till the credit card remains active.
What are the offers available on the Ashva Credit Card?
The Ashva Credit Card comes loaded with benefits like discounts on 300+ brands, movie tickets, complimentary airport lounge access, etc. The full list of benefits is mentioned above.
For brand offers, you can visit the offers website
What is the Forex Markup Fee on the Ashva Credit Card?
The Ashva Credit Card offers one of the lowest forex markups in the industry at just 1%. Spend seamlessly while travelling abroad as well as on international purchases made from India.
Does the Ashva Credit Card offer complimentary airport lounge access?
Yes. With Ashva Credit Card, you can enjoy:
- 4 complimentary visits per quarter to airport lounges at airport terminals in India. Use your credit card to access Indian airport lounges.
- 2 complimentary visits per quarter to global airport lounges. Use the DreamFolks card to access global airport lounges. Some global lounges require prebooking via the link
To view the list of airport lounges, click here
The lounge benefit can be availed in the next calendar month by spending ₹20,000 or more in the current calendar month.
Does the Ashva Credit Card offer complimentary golf benefits?
Yes. You can avail up to 2 rounds/lessons in a month. Each round/lesson is unlocked for every ₹20,000 spent in the previous statement cycle.
Can I withdraw cash using the Ashva Credit Card?
Yes, you can! All ATM cash withdrawals are interest-free for up to 45 days – in India or abroad. Cash withdrawal from ATMs outside India will attract a forex markup fee of 1% (+GST). Please keep in mind, however, that a Cash Advance Fee of ₹199/- + GST is applicable per transaction, irrespective of your location or the withdrawal amount. The maximum cash withdrawal limit per transaction is ₹10,000.
Will I be asked for my Credit Card PIN at every POS terminal, be it domestic or international?
For transactions in India, yes, you will be asked for a PIN for completing the transactions. However, outside India, you will be asked for the PIN only if the POS terminal is enabled for PIN authentication.
What is the Annual Spending Milestone and its benefits?
On spending ₹8,00,000 or more in a card anniversary year, you will get 7,500 reward points. The reward points will be credited on payment of annual fee for the next year. Transactions on primary, add-on and associated FIRST Digital (UPI) Credit Card will be considered towards the milestone, including EMI transactions. Cash withdrawal, fee charges and EMI amortization will be excluded from the benefit.
When are reward points credited to my account?
The reward points will get credited upon statement generation.
What movie ticket offers are available on the Ashva Credit Card?
Using the Ashva Credit Card, you get a buy-one-get-one movie offer with up to ₹400 off on the second ticket, twice a month. Starting 1st July 2025, use District by Zomato App to book ticket. Till 30th June 2025, you can use BookMyShow to book tickets.
What are the key offers and benefits of the Ashva Credit Card?
The Ashva Credit Card comes loaded with benefits like discounts on 300+ brands, movie tickets, complimentary airport lounge access, etc. The full list of benefits is mentioned above.
For brand offers, you can visit the offers website
Does the Ashva Credit Card offer complimentary airport lounge access?
Yes. With Ashva Credit Card, you can enjoy:
- 4 complimentary visits per quarter to airport lounges at airport terminals in India. Use your credit card to access Indian airport lounges.
- 2 complimentary visits per quarter to global airport lounges. Use the DreamFolks card to access global airport lounges. Some global lounges require prebooking via the link
To view the list of airport lounges, click here
The lounge benefit can be availed in the next calendar month by spending ₹20,000 or more in the current calendar month.
Is the Ashva Credit Card better than a Forex Card or Multi-Currency Card?
Ashva, a premium metal credit card by IDFC FIRST Bank, is a must-have for frequent travellers. It can make your travel experience much more convenient with benefits such as:
1. Low Forex Markup Fee of 1%, making international transactions cost-effective.
2. Complimentary access to airport lounges including 4 domestic lounge visits and 2 international lounge visits per quarter.
3. Free Trip Cancellation Cover. With a cancellation cover of up to ₹25,000 for non-refundable hotel and flight bookings, you won’t feel guilty about changing your travel plans at the last minute.
4. Robust travel insurance with coverage up to $1,200 USD for loss of luggage, flight delays, etc.
How does the Ashva Credit Card compare to a multi-currency card or a forex card?
The Ashva Credit Card stands out as a versatile and cost-effective option for international travel compared to multi-forex or multi-currency cards. With only a 1% forex markup fee, it is highly competitive, offering significant savings compared to the typical 3-3.5% forex markup charged by most traditional credit cards.
Unlike multi-currency cards, which require pre-loading foreign currency and may involve reload fees, the Ashva Credit Card offers seamless usage across most currencies without additional setup or top-up hassles. Furthermore, its 45-day interest-free cash withdrawal feature provides unmatched flexibility and convenience while traveling abroad—something that is typically unavailable with multi-currency cards.
In addition to these financial benefits, the Ashva Credit Card also offers travel perks like complimentary lounge access, trip cancellation cover, travel insurance, and reward points, making it a superior all-in-one solution for globetrotters.
How can I contact IDFC FIRST Bank while travelling internationally?
In case of any questions regarding your credit card while abroad, please contact us at +91 22 6248 5152
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