IDFC
IDFC FIRST Ashva Credit Card
This is an invite only card
Apply and get ₹750 Rewards
Top Benefits
Earn up to 60 Reward Points on Hotel Bookings
via the IDFC FIRST Bank Mobile App, capped at 15,000 bonus Reward Points per calendar month
Earn 7,500 Reward Points Worth up to ₹3,000
as an annual fee benefit on spends of ₹8 lakhs in the previous anniversary year
Best For
Shopping
Travel
Joining / Annual Fee
Joining Fees
₹3,539 ( ₹2999 + GST )
Annual Fees
₹3,539 ( ₹2999 + GST )
Eligibility
Age
Criteria*
21-65 years
Salary
Criteria*
12LPA
Credit
Rating*
750+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
Yes
See if you are eligible for this card
All Card Benefits
- Enjoy a low forex markup of just 1% on International transactions also applicable to international transactions charged in Indian currency
- Up to 4 Indian airport lounge visits, 2 global airport lounge visits, and 4 railway lounge visits per quarter, subject to minimum monthly spends of ₹20,000
- Flat ₹5,000 discount on bookings of ₹25,000 or more at The Postcard Hotels & Resorts, once every calendar quarter using promo code IDFCVIP
- Annual fee benefit of 7,500 Reward Points (worth up to ₹3,000) on spends of ₹8 lakhs in the previous anniversary year, subject to payment of the ₹2,999 + GST annual fee
- Up to 60 Reward Points per ₹150 on hotel bookings and 40 Reward Points per ₹150 on flight bookings via the IDFC FIRST Bank Mobile App, capped at 15,000 bonus Reward Points per calendar month
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Points = ₹0.25
Redemption Options
- Flights & Hotels Booking
To check redemption catalogue
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an IDFC Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an IDFC Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel Spends
Insurance Payments
Education Payments
Wallet Loads
Government Payments
Rent Purchases
Utility Bills
EMIs
Cash Withdrawals
For Spends Waiver
Fuel Spends
Insurance Payments
Education Payments
Wallet Loads
Government Payments
Rent Purchases
Utility Bills
EMIs
Cash Withdrawals
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  1% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 1% |
APR Fees Interest rates are dynamic and range from 0.71% to 3.85% per month (8.5%–46.2% p.a.). | 3.85% |
ATM withdrawal A ₹199 fee is charged per domestic cash withdrawal, with 0% interest until the due date (up to 45 days). | ₹199 |
Reward Redemption Fees A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request. | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge 1% fee beyond ₹25,000 Passenger Railway spends per statement cycle; platform charges extra. | 1% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
Cheque Payment Fees No cheque payment fee is charged | N/A |
Cash Payment Fees N/A | N/A |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹500 | ₹100 |
| ₹5000 | ₹750 |
| ₹8000 | ₹1200 |
| ₹10,000 | ₹1300 |
| ₹10,000 & above | ₹1300 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹750 Rewards
Top Benefits
Earn up to 60 Reward Points on Hotel Bookings
via the IDFC FIRST Bank Mobile App, capped at 15,000 bonus Reward Points per calendar month
Earn 7,500 Reward Points Worth up to ₹3,000
as an annual fee benefit on spends of ₹8 lakhs in the previous anniversary year
The smartest way to find your great credit card
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