Metal 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.

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.

•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.

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 

•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

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  

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.

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.

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.

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

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

The Ashva Credit Card provides the benefit of never-expiring reward points. The reward points remain valid till the credit card remains active.

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 

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.

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.

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.

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.

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.

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. 

The reward points will get credited upon statement generation. 

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.

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 

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.

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.

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.

In case of any questions regarding your credit card while abroad, please contact us at +91 22 6248 5152