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3 Benefits of the Ashva Credit Card you just can't miss

Key Takeaways

The Ashva Credit Card is a loyal companion that unlocks exclusive privileges from travel to entertainment.
Some credit card benefits that set it apart from other metal credit cards are its high tier of rewards – 5X on low-value transactions and 10X on those over ₹20,000.
Plus, travel carefree with comprehensive travel insurance, low forex fees, and refunds on flight and hotel booking cancellations.

03 Oct 2025 by Team FinFIRST

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Meet Tej, a successful entrepreneur who values the finer things in life. His sophisticated and busy lifestyle demands convenience, exclusivity, and rewards that enhance his everyday experiences. For him, credit card reflect his discerning taste and successful pursuits. He is looking for a metal credit card symbolising prestige and offering unparalleled benefits.

The Ashva Credit Card by IDFC FIRST Bank is an elite choice for individuals like Tej. This exclusive card, crafted from embedded metal, affirms prestige with premium benefits that elevate his lifestyle.

Let’s explore the unique benefits of the Ashva Credit Card and how Tej, as well as you, can maximise them.

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Exclusivity factor of metal credit card

Metal credit cards are a silent statement and a symbol of status and sophistication. They are an invitation to elevated experiences and exclusivity.

The weight, design, and engraving create a truly luxurious feel. You can flaunt a metal credit card during a transaction and leave a lasting impression. The card itself becomes a conversation starter, conveying status and accomplishments.

While exclusivity is a significant advantage, the true value is the credit card benefits. Consider the Rewards program, travel benefits, and other features that match your lifestyle.

Introducing the Ashva Credit Card

For those who value tradition, the Ashva Credit Card bridges the gap between modern Indian sensibilities and their deep-rooted heritage. Its regal aesthetic, inspired by ancient Indian heraldry, reflects the sophistication of its target audience.

However, the card keeps up with the times. It incorporates modern flourishes and draws inspiration from iconic Indian folklore and art forms, creating a visually striking and contemporary look.

Even the name, ‘Ashva’ (meaning ‘horse’ in Hindi), displays power, independence, and a relentless drive toward success. It meets the card’s objective of empowering its users to achieve their goals.

Here are some standout features and benefits of the Ashva Credit Card –

Crafted in embedded metal for a luxurious feel and lasting durability
An annual fee and a subsequent joining fee of ₹2,999 plus GST
Interest-free ATM withdrawals for up to 45 days
Dynamic interest rates
Enjoy complimentary airport lounge access, railway lounge access, and other benefits for a relaxing travel experience
Get exclusive discounts and benefits on hotels, movies, and golf
Cancel for any reason (CFAR) insurance on your travel bookings
Earn up to 10X rewards on your spends

Key benefits of the Ashva Credit Card

The Ashva Credit Card offers a plethora of exclusive perks for various aspects of your lifestyle. Here’s how you can maximise these credit card benefits –

1. Travel benefits

Ashva Credit Card has the following features to make you travel in style –

· Complimentary airport lounge access

This metal credit card grants you access to domestic and international airport lounges. Relax before your flight, unwind, and catch up on work. Four visits per quarter to domestic lounges and two visits per quarter to international lounges allow you to experience unparalleled comfort during your travels.

· Railway lounge access

The Ashva Credit Card understands the demands of the busy traveller. In addition to airport lounge access, you can unwind at domestic railway lounges with four visits per quarter. Escape the hustle of the station, relax in a comfortable environment, and freshen up before your train journey.

· Peace of mind with CFAR

The metal credit card offers CFAR coverage, a valuable benefit for frequent travellers. This add-on protects your travel investment by allowing you to cancel your trip for any reason, planned or unforeseen, and receive reimbursement for covered expenses. With a CFAR benefit of ₹25,000 for up to two claims in a year, you can travel with peace of mind, knowing you’re protected against unexpected cancellations.

· Visa Infinite perks

The Ashva Credit Card unlocks indulgence with –

- Airport meet and greet discounts at over 450 destinations worldwide
- Personalised assistance for self-booking your meals, local stays, flights, and activities
- Attractive discounts on airport transfer and limousine services in over 3000 cities across 83 countries
- Exclusive perks and discounts at 900+ luxury hotels

With these upscale features, the card provides a luxurious travel experience, ensuring that every aspect of your trip is handled with the highest level of service and convenience.

· Roadside assistance

A flat tire on a deserted highway? This metal credit card provides roadside assistance up to ₹1,399. This service ensures peace of mind during your journeys, offering help with towing, jumpstarts, and flat tyre changes.

· Lower forex markup

The Ashva Credit Card offers a competitive foreign exchange markup of just 1%. When you use it for international transactions, you can be sure you’re getting the most out of your currency exchange.

2. Entertainment benefits

This metal credit card offers:

· Buy-one, get-one free movie tickets

For movie buffs, the Ashva Credit Card offers a buy-one-get-one offer via BookMyShow on movie tickets with a discount of up to ₹400 on the second ticket. Twice a month, you can catch the latest blockbusters with a friend for the price of one.

· Golf benefits

This card elevates your golfing experience, allowing you to tee off at some of the country’s finest courses. Up to two complimentary rounds or lessons per month let you hone your skills, network with fellow golfers, and enjoy the sport you love.

3. Everyday spending benefits

Here’s how Ashva Credit Card makes your everyday spending a luxurious experience:

· Activation benefits

This metal credit card welcomes you with a bang! Make four transactions valued at ₹500 or more within 60 days of card generation, and you get 100% cashback up to ₹500 per transaction. This translates to savings of ₹2,000 on your initial purchases on joining fee payment. You will also get 7,500 reward points for spending ₹8 lakhs annually and paying the annual fee.

This ensures you start your journey with the Ashva Credit Card on a rewarding note.

· Reward points

The Ashva Credit Card rewards you for your everyday spending. You get:

10X reward points on incremental spends above ₹20,000 and on your birthday
5X reward points on spends under ₹20,000
3X reward points on transactions for education, wallet load, government, rent or property purchase
1 reward point on utility and insurance transactions
1 reward point is earned for every ₹150 spent on a transaction
50X Bonus Reward Points on Hotel Bookings via the IDFC FIRST Bank app
30X Bonus Reward Points on Flight Bookings via the IDFC FIRST Bank app
Redeem reward points at ₹0.40 per point on flights and hotels via the IDFC FIRST Bank app and ₹0.25 per point on other purchases.

The best part about these points with IDFC FIRST Bank is that they never expire! Redeem your points during online transactions with the 'Pay using rewards’ option for flights, hotels, and movie tickets or treat yourself to something special from our store. You can also use them to purchase e-vouchers from leading merchants.

· Fuel surcharge benefit

Every fill-up is a small step towards a luxurious lifestyle with a fuel surcharge waiver of 1% up to ₹400 per month. Simply use your metal credit card at petrol stations and watch the savings add up.

Swipe your Ashva Credit Card and maximise the benefits in style that whispers luxury.

In conclusion

Metal credit cards are a gateway to exclusive perks and premium benefits. From travel benefits to rewarding everyday spending, Ashva Credit Card features and benefits cater to experience-focused individuals. Choose and unlock privileges that enhance your lifestyle experiences and provide unparalleled benefits tailored to travel, entertainment, and daily expenses.

Apply now and embrace the exclusivity and myriad benefits of owning the Ashva Credit Card.

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirst.bank.in for latest updates.