IDFC FIRST Ashva Metal Credit Card
IDFC FIRST Bank • Visa • Premium
The IDFC FIRST Ashva is a beautifully designed metal card offering premium benefits at a fraction of competitors' fees. With 1% forex and up to 60X travel rewards, it punches above its weight.
Value Example
With ₹30,000/month spending:
*Example based on base reward rate. Actual rewards may vary.
Rewards & Cashback
On Travel and Shop section
On Travel and Shop section
Incremental rewards on high spends
On all other transactions
Offers & Benefits
7,500 Reward Points (worth ₹3,000) on fee payment + milestone spends
Access on ₹20K monthly spend, both domestic & Dreamfolks international
Complimentary stay voucher
Special rates at boutique properties
Free coverage for cancelled bookings
Complimentary green fees at select courses
24x7 assistance for vehicle breakdowns
Pros & Cons
Pros
- ✓Premium metal card at just ₹2,999 (very affordable)
- ✓Industry-lowest 1% forex markup
- ✓Up to 60X reward points on travel bookings
- ✓Comprehensive travel insurance included
- ✓Beautiful "Made of India" design with heritage motifs
Cons
- ✗High spend threshold (₹20K/month) for lounge access
- ✗Reward points value diminishes for non-travel redemption
- ✗Requires ₹20K/cycle spend for bonus reward tiers
Who Should Get This Card?
✅ Best Suited For:
Aspirational travelers who want a premium metal card without breaking the bank
❌ Not Ideal For:
Users seeking entry-level cards or those who don't meet high income requirements.
Frequently Asked Questions
How long does approval take?
Typically 3-7 working days for IDFC FIRST Bank. You'll receive an SMS/email once approved.
Can I get the annual fee waived?
₹8L annual spend for 7,500 bonus Reward Points (worth ₹3,000)
What documents are needed?
PAN card, Aadhaar, latest salary slips (3 months), and bank statements (6 months).
How do I maximize rewards?
Focus on Hotel Bookings (via App) to earn 50X Bonus Points.