How to Maximise Rewards with the Ashva Credit Card

Most people assume you need to spend big to earn big rewards. But in reality, even routine expenses, like groceries, online orders, or cab rides, can add up to something valuable when you use the right card the right way.

The Ashva Credit Card from IDFC FIRST Bank is designed specifically for this purpose. It helps you get more value from everyday spending, making it one of the best credit cards for rewards when used correctly.

Let’s see how it works.

How Ashva’s reward system works
 

The Ashva Credit Card keeps things refreshingly simple. Focus on how much you spend each month, and the rewards will follow.

• Monthly spend = Reward tiers

Your rewards are calculated based on the total amount you spend during a single billing cycle.
 

Each reward point is worth ₹0.40 for travel bookings via IDFC FIRST Bank Mobile App and Rs.0.25 on other redemption options.  And the reward points never expires. 
 

• 50X bonus and 30X bonus reward points on hotel and flight bookings
   

Travel spends unlock accelerated credit card rewards. When you book through the “Travel and Shop” section on the IDFC FIRST Bank Mobile Banking App, you can earn up to 60X reward points, including 50X on hotel bookings and 30X on flight bookings, with up to 15,000 bonus reward points available every month.

• What does “incremental spend” mean?
   

The 10X reward rate applies only to the amount you spend above ₹20,000 in a billing cycle.

For example, if you spend ₹30,000 during a cycle, you earn: 

- 5X points on the first ₹20,000

- 10X points on the remaining ₹10,000 (your incremental spend)

• Categories don’t matter, everyday spending does
   

You don’t have to chase niche reward categories. The Ashva Credit Card allows you to earn points on everyday expenses, such as groceries, cabs, or travel. This flexibility is one of the main reasons it’s considered among the best credit cards for rewards.

Moreover, unlike many cards that exclude certain categories from reward accumulation altogether, Ashva still lets you earn credit card rewards, so even essential payments add value instead of earning nothing. These categories include:

- 3X reward points on rent, wallet loads, government services, education

- 1X reward points on utilities and insurance  

• Earn 7500 bonus points with annual spending
   

Ashva also rewards consistency. Spend ₹8 lakhs or more in the 12 months after card activation, and you’ll get 7500 bonus points (worth up to ₹3,000) after paying next year’s annual fee.

These features make the Ashva Credit Card a strong contender for anyone seeking the best credit card for rewards.

How to use the Ashva Credit Card for maximum rewards
 

What makes the Ashva Credit Card one of the best credit cards for rewards is its simplicity—you earn more simply by changing how you pay, rather than what you buy. These simple spending shifts can help you make the most of Ashva without increasing your budget:

• Stop splitting payments and use Ashva for most expenses
   

If you typically divide your spending between cash, debit cards, and UPI apps, you may never reach the ₹20,000 mark required for 10X rewards. Start running your routine payments (groceries, streaming, utilities) through Ashva. Hitting that spending threshold can double your points without paying a rupee more.

• Prioritise Ashva for larger lifestyle spends
   

Once your routine payments are set up on Ashva, take it a step further by using it for higher-value categories, such as travel bookings, weekend dining, or ride-hailing apps. These aren’t monthly bills, but they add up quickly and can push you beyond the ₹ 20,000 milestone sooner.

• Stop using cash for everyday essentials
   

Spending cash on things like groceries or pharmacy purchases may feel routine, but it’s also where rewards quietly slip away. Use the Ashva Credit Card instead, wherever cards are accepted. When you move your essential daily spending to Ashva, your points start building up faster with no change to your overall budget.

• Time big purchases early in your billing cycle
   

Planning big purchases (electronics, travel bookings, or insurance premiums)? Time them early in your billing cycle. Once you cross ₹20,000, the rest of your expenses for that month will earn you 10X points. It’s a simple shift that can make a big difference.

Each of these changes helps you unlock more value from the Ashva Credit Card, which makes it one of the best credit cards for rewards. 

In the following section, we’ll explore reward-boosting opportunities you can plan ahead for.

Bonus point opportunities you can plan for
 

Some of Ashva’s most rewarding features aren’t tied to everyday spending. They depend on timing, one-time actions, or milestone goals. But with a little planning, you can make the most of them without changing your lifestyle.

• Unlock 7,500 reward points
   

As a joining fee payment benefit on Ashva you can earn 7500 reward points. 2500 on fee payment. 2500 each on spending Rs.20,000 in 2nd and 3rd statement respectively.

• Refer and earn without spending
   

Know someone who might benefit from Ashva? Use the referral option in the app or website. When your friend gets approved, you earn bonus points without spending anything yourself.

• Plan big purchases around your birthday
   

Ashva gives you 10X points on birthday spends. If you have major expenses, such as electronics, travel bookings, or annual fees, consider timing them during your birth month to maximise your points.

• Work towards the ₹8-lakh milestone
   

If your total spend crosses ₹8 lakhs in a year, you get 7500 bonus reward points after paying your next annual fee. Even if you don’t track it monthly, combining your personal and work-related expenses makes reaching that goal easier than you think.

• Watch your billing cycle
   

Make sure large transactions are settled before your statement is generated, otherwise, you might miss the 10X rewards that month. Timing is key.

These bonus strategies highlight how flexible the Ashva Credit Card can be and prove why it’s one of the best credit cards for rewards for those who plan ahead.

How to redeem Ashva rewards efficiently
 

Earning points is only one part of the experience. The value lies in redeeming them effectively, especially with a card like Ashva that offers flexible options.

• Use the rewards portal
   

Visit the IDFC FIRST Bank Mobile Banking App to access the rewards catalogue. You can redeem points for vouchers, travel bookings, and even memberships.

• Be mindful of redemption timing
   

Some redemption options may involve a nominal processing fee. Checking the applicable charges and redeeming when it aligns with your needs helps you make the most of your reward points without unnecessary costs.

A little attention to the redemption strategy makes the Ashva Credit Card feel even more like the best credit card for rewards, not just in how you earn but in how you benefit.

Conclusion
 

You don’t need to chase deals, change your lifestyle, or spend more than you already do. With a few smart adjustments to your card usage, the Ashva Credit Card can transform everyday expenses into ongoing rewards.

If you're looking for one of the best credit cards for rewards, Ashva is worth a closer look. Start with what you already spend, and let the rewards follow.