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.

Rates and fees last verified 14 September 2026.

Annual fee

₹2,999

Joining fee

₹2,999

Reward type

points

Base reward rate

0.83%

Card network

Visa

Card tier

Mid

Eligibility

Minimum credit score: 700
Minimum monthly income: ₹1,00,000
Employment: salaried, self-employed
Age: 21–60

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

− Annual fee has no spend-based waiver
− Base reward rate is modest outside the ₹20,000+ monthly tier
− ₹12 LPA income requirement limits eligibility

Apply on IDFC FIRST Bank's site

Applying takes you to IDFC FIRST Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.