IDFC First Bank Ashva Metal Credit Card

Welcome Offer

Cardholders will receive 2,500 reward points on payment of the joining fee, an additional 2,500 points on spends over ₹20,000 in the second statement cycle, and another 2,500 points on spends over ₹20,000 in the third statement cycle. This new structure applies to cards generated on or after 1st September 2025.

Cardholders were previously eligible for straight cashback, but now they need to redeem their reward points strategically to maximize their value. If all Reward Points are redeemed for maximum value, then 7,500 Reward Points would be worth ₹3,000.

Reward Points

• 10X Reward Points/₹150 on incremental spends above ₹20,000 in a monthly statement cycle.
• 5X/₹150 Reward Points on spends up to ₹20,000 in a monthly statement cycle.
• With the Ashva Card, you can earn rewards even in restricted categories. Cardholders are eligible to earn 3X/₹150 Reward Points on rent, government, wallet load, and education, and 1X/₹150 Reward Points on insurance and utilities.

Which categories are exempt from reward point earning?

• Fuel
• Transactions Converted into EMI
• Fees or Charges
• Loan on Card
• Balance Transfer
• Cash Withdrawal Transactions

Value of One Reward Point = ₹0.40 for Travel Bookings Via IDFC Travel & Shop, ₹0.25 Everywhere Else

Earn Bonus Reward Points Via IDFC Travel & Shop

Bonus Reward Points are earned in addition to the base reward rate. A maximum of 15,000 Bonus Reward Points can be earned each month.

“Buy One Get One” Free on Movies

Cardholders can get a “Buy One Get One” free offer on the second movie ticket they book on District by Zomato. The maximum discount for each movie ticket is ₹400, and this offer can be availed twice each month. This benefit could help save up to ₹800 per month and ₹9,600 per year.

Complimentary Airport Lounge Access

Airport lounge access is a must for travelers, especially those who travel quite frequently and even globally. With the Ashva Credit Card, primary and add-on cardholders can get complimentary airport lounge access across the country and even at international airports. This benefit can be availed by spending ₹20,000 each month. Spends made in the previous month would make the cardholder eligible for lounge access in the next month.

Domestic Lounge Access

Get upto four complimentary visits each quarter at select lounges across Indian Airports.

International Lounge Access

Two complimentary visits each quarter to lounges at select international airports. You would need to display your DreamFolks Card, which is offered along with the Ashva Credit Card. A boarding pass would also be required to access international airport lounges.

Free Railway Lounge Access

Both primary and add-on cardholders will get four free railway lounge visits across participating IRCTC railway lounges in India on spends of ₹20,000 or more in the previous month. An authorization fee of ₹2 will be charged to check the card’s validity at the railway lounge. Once the cardholder successfully swipes the Ashva Card for railway lounge access, they will have to wait 24 hours to re-access the lounge.

Which railway lounges are eligible for free access with the Ashva Credit Card in India?

• Chennai Central Railway Station – Executive Lounge
• Old Delhi Railway Station – IRCTC Lounge
• Jaipur Railway Station – IRCTC Executive Lounge
• Sealdah Railway Station – IRCTC Executive Lounge
• Madurai Railway Station – IRCTC Executive Lounge
• Agra Cantonment Railway Station – Executive Lounge
• Varanasi Cantt Railway Station – IRCTC Executive Lounge
• Mumbai Central Railway Station – INEJ Digital Lounge
• Vadodara Railway Station – INEJ Digital Lounge
• Bhopal Railway Station – The Stuti Luxury Lounge

What facilities are available at railway lounges in India?

• Upto two hours of comfortable lounge stay.
• One buffet meal (breakfast, lunch, or dinner as per the time of visit). Only one buffet meal per visit will be provided to eligible cardholders.
• Enjoy unlimited tea and coffee.
• Access to newspapers, magazines, and free Wi-Fi.

Golf Privileges

The IDFC Ashva Credit Card offers two complimentary golf lessons or rounds each month. This spend-based benefit can be unlocked by spending ₹20,000 or more in a statement cycle. Spend ₹40,000 in a statement cycle to fully unlock two golf lessons or golf rounds across courses in India. This benefit is only available for the primary Ashva Credit Cardholders.

Free Trip Cancellation Protection

With a Cancel for Any Reason cover, you can cancel flight and hotel bookings made with the Ashva Credit Card and receive a reimbursement of up to ₹25,000 twice a year for the non-refundable portion of the booking. The Trip Cancellation Cover is a travel insurance that offers increased flexibility to travel plans. Easily cancel your bookings without losing money. The coverage will include any trip cancellation for a reason not otherwise covered in the booking or any other policy. To be covered under the Cancel For Any Reason benefit, the cardholder must cancel the booking at least 24 hours before the scheduled travel date.

Insurance Benefits

Apart from the insurances mentioned below, complimentary Roadside Assistance (RSA) is also offered with the Ashva Credit Card all over India, up to four times a year. This can be very useful if one gets into car trouble. The RSA is worth ₹1,399.

Annual Milestone Benefit

Cardholders who spend ₹8 lakh in a card anniversary year are eligible for a bonus of 7,500 Reward Points, valued at ₹1,875. This does not seem like much of a benefit, as spending as high as ₹8 lakh in a year can be better rewarded with other cards. For example, by spending ₹4 lakh in a year with the American Express Platinum Travel Credit Card, one can earn more than ₹20,000 in benefits.

Visa Infinite Benefits

The Ashva Metal Credit Card is available on Visa Infinite, which brings even more benefits to the table. Some of the privileges associated with Visa Infinite are given below.

• Users can book complimentary airport meet and greet services across 450 worldwide destinations. Follow this link for detailed instructions on booking meet and greet services, here.
• Personalized concierge for dining reservations, vacation bookings, flights, and more.
• Huge discounts on limousine airport transfers at global destinations.
• Premium and luxurious benefits at more than 900 hotels worldwide. Take advantage of automatic room upgrades upon arrival, complimentary in-room Wi-Fi, complimentary continental breakfast, VIP Guest status, 3 PM check-out upon request, and more.

Ashva Credit Card Review

The Ashva Credit Card has a joining and annual cost of ₹2,999 and offers up to 7,500 Reward Points as a welcome benefit. It is a metal credit card available on the Visa Network. Those with an annual income of ₹12 lakh or more can easily apply for this rewarding and unique card. From lounges to golf, this card has it all. One of its most important and attractive benefits is the free movie tickets on District by Zomato. For those who make foreign spends, this card offers a lower Forex charge of 1%.

Although there are many privileges associated with this card, it’s best to mention that many of them are spend-based. Whether it’s the 10X Reward Points, golf, or airport lounge access, all can be accessed by making a spend of ₹20,000. Those who spend a lot should definitely opt for this card. Many will be captured by its beautiful design and might apply for it just to have it in their wallets. Those who have fluctuating spending and might not be sure that they can match the ₹20,000 threshold should apply for other mid-segment credit cards.

Finally, we can say that this credit card exemplifies Indian traditions in its features and looks and offers a captivating experience. Even if all its rewards and features are set aside, being a Visa Infinite card makes it appealing.

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