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IDFC FIRST Ashva Credit Card
A premium metal Visa Infinite travel card with a genuine 0% forex markup, generous domestic/international/railway lounge access, and monthly golf privileges — aimed at frequent travellers willing to pay a moderate, non-waivable annual fee.
Annual fee
₹2,999
Joining fee
₹2,999
Reward type
points
Base reward rate
0.83%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in travel, dining. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Movie & dining: Buy-one-get-one movie tickets via Zomato District, up to ₹400, twice a month
- Rewards rate: 0.83% base rate
- Domestic lounge access: 4 complimentary domestic airport lounge visits per quarter, plus 4 railway lounge visits per quarter
- International lounge access: 2 complimentary international airport lounge visits per quarter
- Golf: 2 complimentary golf rounds/lessons per month on ₹20,000+ monthly spend
- Insurance benefits: Trip cancellation cover up to ₹25,000, twice a year
Benefits by category
- ✈️ Travel
4 complimentary domestic + 2 international airport lounge visits per quarter, plus 4 railway lounge visits per quarter
- 🛡️ Insurance
Trip cancellation cover up to ₹25,000, twice a year
- 🌍 Forex / international spend
0% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹1,00,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Foreign currency markup: 0%
Benefits
- 10X reward points (vs 5X base) on monthly spends above ₹20,000 per statement cycle; 1 point = ₹0.25 (₹0.40 for travel via IDFC FIRST Travel & Shop)
- Up to 7,500 reward points on card activation
- 4 complimentary domestic + 2 international airport lounge visits per quarter, plus 4 railway lounge visits per quarter
- 0% forex markup on international transactions
- Buy-one-get-one movie tickets via Zomato District (up to ₹400, twice a month); 2 complimentary golf rounds/lessons a month on ₹20,000+ monthly spend
- Trip cancellation cover up to ₹25,000, twice a year
Pros
- + True 0% forex markup
- + Strong lounge access across domestic, international and railway lounges
- + Monthly golf privileges and BOGO movie offers
Cons
- − International spends earn only 2 RP per ₹150 from 26 Oct 2026 (down from 5), though they still count toward the ₹20,000 10X threshold
- − Annual fee has no spend-based waiver
- − Base reward rate is modest outside the ₹20,000+ monthly tier
- − ₹12 LPA income requirement limits eligibility
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