Joining Fee

₹2,999

Annual Fee

Rs. 2999 + Taxes

Forex Markup

1% + GST

INTERNATIONAL

Add-on Card Fee

₹2,000 per supplementary card

IDFC FIRST Bank

Lifestyle

Travel

Rewards

Best For: Frequent international travellers, Lifestyle and luxury spenders, Hotel and flight bookers via IDFC FIRST app, Golf enthusiasts

Ashva

Rewards Structure

Base Reward Rate

0.67% on spends

Point Value

1 Point = ₹0.4

Pros

Very low 1% forex markup for international spends
High reward multipliers – up to 50X on hotel and 30X on flight bookings
Comprehensive insurance coverage including air accident cover of ₹1 Crore
Quarterly airport and railway lounge access
Golf privileges and movie benefits
VISA Infinite privileges including luxury hotel benefits and concierge

Cons

Joining and annual fee of ₹2,999 + GST
Add-on metal card charges ₹2,000 joining fee
Joining fee is non-refundable and must be paid upfront
Lounge and railway access require ₹20,000 spend in current month to activate next month benefit
High reward rates (50X/30X) only via IDFC FIRST Bank Mobile App Travel and Shop section

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Lounge and railway lounge access require ₹20,000 spend in current calendar month

Golf benefit requires ₹20,000/₹40,000 spend in previous statement cycle

Joining fee benefit (7,500 points) not available if customer previously held Ashva Credit Card

High reward rates only applicable via Travel and Shop section in IDFC FIRST Mobile App

Fuel surcharge waiver capped at ₹300 per statement cycle

Trip cancellation cover limited to twice a year up to ₹25,000

Key Benefits & Features

VISA Infinite luxury hotel benefits at 900+ hotels worldwide including room upgrades and complimentary breakfast

Complimentary roadside assistance worth ₹1,399

Flat ₹5,000 discount on The Postcard Hotels & Resorts on minimum booking of ₹25,000, once per quarter

Airport transfer discounts on limousine services in 3,000+ cities across 83 countries

VISA Infinite Airport Meet and Greet: 1 complimentary per year on USD 1,000 international spend in past 12 months; 10% discount otherwise

Notable Exclusions

Cash withdrawals, fees, charges, and GST are not eligible for reward points

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

These details are based on information updated on 6 March 2026. Fees and benefits change often - confirm on the issuer's own page before applying.

About Ashva

The IDFC FIRST Bank Ashva Metal Credit Card draws its inspiration from ancient Indian royalty, where horses — or Ashva — were revered symbols of pride, strength, and forward momentum. Crafted with an embedded metal body weighing 12 grams and featuring two regal horses reminiscent of Indian folklore, this card is more than a financial instrument — it is a piece of Indian heritage designed for the modern world. The Ashva card is built for frequent international travellers, lifestyle enthusiasts, and luxury spenders. It offers a low 1% forex markup fee for cost-effective international transactions, complimentary airport lounge access four times per quarter in India and twice overseas, four complimentary railway lounge visits per quarter, and free trip cancellation protection of up to ₹25,000 twice a year. Golf enthusiasts benefit from two complimentary rounds or lessons monthly on spending over ₹20,000, while movie lovers enjoy buy-one-get-one-free tickets twice a month. Additional perks include VISA Infinite privileges, comprehensive travel insurance, and 24/7 roadside assistance. On the rewards front, cardholders can earn up to 60X reward points, with 50X on hotel bookings and 30X on flight bookings made through the IDFC FIRST Bank app. The joining and annual fee are ₹2,999 plus GST each, with reward points offered as a fee offset benefit.

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