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REWARD POINTS CARD

Ashva Credit Card

IDFC FIRST Bank

Metal Visa Infinite card earning reward points: 5 RP per ₹150 up to ₹20,000 a cycle and 10 RP above, plus bonus points on hotel and flight bookings via the IDFC FIRST app. Lounge access, zero forex markup and movie offer included.

₹2,999 + GST joining fee is paid upfront before dispatch and is non-refundable. Lounge and movie benefits need ₹20,000 spend in a calendar month. Points are earned only on spends up to the credit limit per cycle.

Ashva Credit Card
ANNUAL FEE
₹2,999 + GST
JOINING FEE
₹2,999 + GST
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Up to 10 RP per ₹150 on spends above ₹20,000 per statement cycle, plus bonus 30 RP (hotels) and 15 RP (flights) per ₹150 via Travel & Shop on the IDFC FIRST Bank app.
BEST FOR
Included: Cardholders who travel and spend enough to unlock the lounge.
Included: May suit those who book hotels and flights through the IDFC FIRST Bank app and want bonus reward points.
Included: May suit those who spend ₹20,000 or more a month and want lounge, railway lounge and movie benefits.
Included: May suit those making international purchases who want zero forex markup.
Limitation: Spends on fuel, EMIs or cash withdrawals earn no points may wish to compare other cards.
Limitation: Those who spend under ₹20,000 a month may wish to compare other cards.
Limitation: Those whose spends are mainly fuel, EMIs or cash withdrawals may wish to compare other cards.
Limitation: Those unwilling to pay a non-refundable ₹2,999 + GST joining fee upfront may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: From 18 Jun 2026, reward points are earned only on spends up to the credit limit per billing cycle.
Condition: From 26 Oct 2026, international spends earn 2 RP per ₹150 and count toward the ₹20,000 10X milestone.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
₹2,999 + GST
Annual / renewal fee
₹2,999 + GST
Fee waived at
Not stated
Forex markup
0%
Finance charge
Not stated
Cash withdrawal fee
₹199 + GST
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
4 visits per quarter — 4 complimentary visits per quarter · Present the Ashva Credit Card at the lounge; unlocked by ₹20,000 spend in the previous calendar month · ₹20,000 spend in the current calendar month to use the benefit in the next month
International airport lounge
2 visits per quarter — 2 complimentary visits per quarter · Access via DreamFolks card; some global lounges require pre-booking · ₹20,000 spend in the current calendar month to use the benefit in the next month
Railway lounge
4 visits per quarter — 4 complimentary visits per quarter · At select Indian railway terminals; spend ₹20,000 in a calendar month to use it in the next (effective 20 Feb 2025) · ₹20,000 spend in the current calendar month to use the benefit in the next month
Lounge spend requirement
Not stated
Lounge programme
DreamFolks (global lounges)
EVERYDAY
Fuel
1% waiver up to ₹300 per statement cycle on fuel transactions of ₹200-₹5,000 at all fuel stations across India
Dining
Up to 20% off total bill at participating restaurants when paying with the card
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Rent, Education, Government, Wallet Load earn only 3 RP/₹150; Fastag, Railways, Insurance, Utilities 1 RP/₹150. None count toward the ₹20,000 10X milestone.; Fuel, EMI-converted spends, fees/charges and GST, loan on card, balance transfer, cash withdrawals, and transactions below ₹150 earn no points
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Credited automatically

Who this card may suit

MAY SUIT
Included: Up to 10 RP per ₹150 on spends above ₹20,000 per statement cycle, plus bonus 30 RP (hotels) and 15 RP (flights) per ₹150 via Travel & Shop on the IDFC FIRST Bank app.
Included: Metal card with Visa Infinite privileges, offering lounge access, golf, movie, hotel and dining benefits (T&C apply).
Included: Complimentary lounge access each quarter: 4 domestic and 2 international airport visits and 4 railway lounge visits, subject to ₹20,000 monthly spend.
Included: Zero forex markup, plus trip cancellation reimbursement up to ₹25,000 twice a year and travel insurance cover up to USD 1200 (T&C apply).
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.