IDFC FIRST Ashva Credit Card
IDFC · MASTERCARD★ 4.0/ 5
✓ Details last verified 1 Jan 2026
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Key features
What this card is built to do — the highlights that actually matter.
1% on Other
1% base value on other spends
UPI Linked
Link to PhonePe, GPay or Paytm and earn credit card rewards on UPI payments
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
IDFC FIRST Ashva is a premium lifestyle card with travel and dining benefits, competitive reward earn rates, and lounge access. Designed for IDFC FIRST's upper-mid segment customers stepping up from Millennia or Classic.
Who is this for?
For IDFC FIRST customers earning ₹75,000+/month who want a premium lifestyle card with travel benefits and are comfortable with a ₹3,000 annual fee.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Other | reward points | 1% | — |
Other: 1% base value on other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Should you get it?
- Premium tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Other (1% back).
Eligibility & documents
What your idfc reward points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Never-expiring points
The concern
IDFC's own free First Wealth undercuts it — the incremental perks rarely justify ₹3,000 against a ₹0 alternative.
Bottomline
CardAdvisor Rating: 4.0 / 5Ashva brings IDFC into fee-charging premium territory with a fair perk bundle. It is a reasonable card that suffers from its sibling: First Wealth gives most of this free, making Ashva a hard internal sell.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the IDFC FIRST Ashva Credit Card are taken from IDFC's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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