Ashva Credit Card (Metal): fees, rewards & benefits

Rewards, as stated by the issuer

Earn Up to 40X Reward Points Redemption value of up to ₹0.40 per reward point
Earn 7,500 Reward Points worth up to ₹3,000
Reward Points on Ashva Credit Card
• 30X Bonus Reward Points* on Hotel Bookings
• 15X Bonus Reward Points* on Flight Bookings
• Up to 10X Reward Points on incremental spends above ₹ 20,000 in a statement cycle.
1X = 1 Reward Point per ₹150 spent
1 Reward Point = ₹0.40 for hotel and flight bookings via “Travel and Shop” Section on IDFC FIRST Bank Mobile App
- Reward Points will be earned for spends up to your credit limit per billing cycle. Additional spends beyond this will not be eligible for Reward Points. Click here for further details.
Earn up to 7,500 reward points as part of the Joining Fee Payment Benefit. Applicable for Ashva Credit Cards generated on and after 1st September 2025.
Milestone
Milestone 1
Milestone 2
Milestone 3
Spend minimum ₹8 Lakhs in the previous card anniversary year and get 7,500 Reward Points (worth upto ₹3,000)
Earn Up to 40X Reward Points
Reward Point value of upto ₹0.40
Maximize your reward point value by redeeming them for hotel & flight bookings via “FIRST Rewards Gallery” Section on IDFC FIRST Bank Mobile App

Other benefits

*The Joining Fee Payment Benefit is offered once per customer on the Ashva Credit Card. If you have previously held the Ashva Credit Card, you will not be eligible for this benefit again.
Comprehensive insurance
Free trip cancellation protection
Enjoy a flat discount of ₹5000 on a minimum booking of ₹25,000. T&C Apply*
Premium golf privileges
2 complimentary golf rounds/lessons every month when you spend over ₹20,000 in a month. T&C Apply*
Exclusive movie delights
Enjoy buy one, get one free movie tickets with a minimum discount of ₹400, twice a month. T&C Apply*
Get a free stay at ITC Hotels
Enjoy exclusive offers on your hotel bookings
Get a free stay at Elivaas
Unlock exclusive discounts on your next trip
Delectable dining discounts
Airport transfer discounts
Save on airport transfers with exclusive discounts on limousine services. T&C Apply*
Concierge at your fingertips
Enjoy exclusive benefits and discounts at 900+ luxury hotels around the world. T&C Apply*
Accident and lost card liability cover

Welcome & milestones

Welcome

On payment of joining fee, you can earn up to 7,500 reward points as a joining benefit. These are awarded in three parts:

Milestones

Milestone
Milestone 1
Milestone 2
On net spends of ₹20,000 or more in the 2nd statement cycle(Applicable only after successful realization of the joining fee)
Milestone 3
On net spends of ₹20,000 or more in the 3rd statement cycle(Applicable only after successful realization of the joining fee)
Unlock a golf round/lesson per month on spending ₹20,000 and ₹40,000, respectively in the previous statement cycle more details. T&C apply
• 5X Reward Points on international spends, with eligible international transactions contributing towards your monthly 10X rewards milestone calculation.
Domestic and international transactions in these categories are not considered towards 10X milestone calculations.
• 2,500 reward points on net spends of ₹20,000 or more in your 2nd statement cycle (Applicable only after successful realization of the joining fee).
• 2,500 reward points on net spends of ₹20,000 or more in your 3rd statement cycle (Applicable only after successful realization of the joining fee)
- 5X Reward Points on international spends, with eligible international transactions contributing towards your monthly 10X rewards milestone calculation.
- 3X Reward Points on Rent, Education, Government and Wallet Load transactions. 1X Reward Points on Insurance, Utility, Railways and Fastag transactions. Domestic and international transactions in these categories are not considered towards 10X milestone calculations.
What is the Annual Spending Milestone and its benefits?

Lounge access

Domestic: Complimentary access to airport lounges 4 times in India & 2 times overseas, every quarter. T&C Apply* · • Indian airport lounges – Present your Ashva Credit Card at the airport lounge. · Avail 4 complimentary visits to lounges at select Indian Railway Terminals. T&C apply

International: Complimentary access to airport lounges 4 times in India & 2 times overseas, every quarter. T&C Apply* · • Global airport lounges – Present your Dreamfolks card. For easier access, do advance bookings online.

Railway: Railway lounge access · Get 4 complimentary railway lounge visits per quarter. T&C Apply* · Disclaimer: Effective 20th February 2025, spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month.

Programme: DreamFolks

Every fee line found on the page

Joining Fee: ₹2,999+GST and Annual Fee: ₹2,999+GST (2 nd year onwards)
1% forex markup
With a low forex markup of just 1%, ensure that your international transactions are seamless and cost-effective.
On net spends of ₹20,000 or more in the 2nd statement cycle(Applicable only after successful realization of the joining fee)
On net spends of ₹20,000 or more in the 3rd statement cycle(Applicable only after successful realization of the joining fee)
Save on international transactions with forex markup at just 1%. T&C Apply*
Save on fuel costs with 1% waiver of up to ₹300 on fuel surcharges across India. T&C Apply*
Enjoy a low forex markup rate at just 1% (+GST) on your international spends. This fee also applies to international transactions done in Indian currency.
Avail 1% Fuel Surcharge Waiver up to ₹300 in a statement cycle at all fuel stations across India on transactions between ₹200 & ₹5,000.
The Ashva Credit Card comes with a Joining Fee of ₹2,999 + GST and an Annual Fee (applicable from second card anniversary year) of ₹2,999 + GST. The Joining Fee will be levied on credit card application approval.
Once your Ashva Credit Card application is approved, upfront Joining Fee payment of ₹2,999 + GST is required to get the credit card dispatched. To pay the Joining Fee, click here
• 2,500 reward points on net spends of ₹20,000 or more in your 2nd statement cycle (Applicable only after successful realization of the joining fee).
• 2,500 reward points on net spends of ₹20,000 or more in your 3rd statement cycle (Applicable only after successful realization of the joining fee)
The Ashva Credit Card offers one of the lowest forex markups in the industry at just 1% . Spend seamlessly while travelling abroad as well as on international purchases made from India.
1. Low Forex Markup Fee of 1%, making international transactions cost-effective.