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IDFC FIRST Ashva Credit Card

Name: IDFC FIRST Ashva Credit Card
Brand: IDFC FIRST
Price: 2999 INR

IDFC FIRST

7.8

CardTrail Score

Very Good

out of 10

💰 Net Value

6.0

🔓 Accessibility

6.5

⚡ Feature Depth

5.9

🏦 Bank Trust

7.5

How we score →

Compare This Card Full Details

Annual Fee

₹2,999

Forex Markup

Reward Rate

Up to 5%

Lounge Access

domestic | 2 intl

About This Card

The IDFC FIRST Ashva Credit Card is a premium credit card from IDFC FIRST with an annual fee of ₹2,999. It offers a base reward rate of 1.0% with up to 5.0% on select categories. Key perks include a low 1.0% forex markup, 4 complimentary lounge visits, fuel surcharge waiver. Best suited for frequent travellers.

Pros & Cons

Pros

Competitive 1.0% reward rate
Low forex markup at 1.0%
Fuel surcharge waiver saves on petrol/diesel
Easy EMI conversion on purchases

Cons

₹2,999 annual fee may not suit light spenders
Income eligibility: ₹6L+ per annum

Fee Details

Annual Fee

₹2,999

Joining Fee

₹2,999

Fee Waiver Condition

None

Fuel Surcharge Waiver

Yes

EMI Conversion

Yes

Reward Structure

Base Rate

Max Rate

Currency

Reward Points

Welcome Bonus

3,000 Reward Points

Lounge Access

Domestic Lounges

per year

International Lounges

per year

Spend Gate Required

You must spend ₹20,000 per quarter to activate lounge access.

Key Highlights

+ Up to 5.0% rewards on accelerated categories
+ Low 1.0% forex markup
+ 4 domestic lounge visits per year
+ Fuel surcharge waiver at all pumps

Compare With...

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