IDFC FIRST Ashva Credit Card
IDFC FIRST Bank
₹2,999
Joining fee
₹2,999
Annual fee
No spend-based annual fee waiver option (both aggregators agree).
1%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹60,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 730+
Estimated — not officially confirmed by the bank.
Age: 21–65
Salaried or self-employed, min income Rs 12,00,000/year
Lounge access
16 domestic / 8 international visits per year
Note: Both domestic and international lounge access available to primary and add-on cardholders.
Reward details
5X points per Rs 150 on spend up to Rs 20,000/month
- 10X points per Rs 150 on Incremental spend above Rs 20,000/month
Welcome bonus: Up to 7,500 points (CardInsider) vs. 2,500 points upon fee payment (Paisabazaar) - DISCREPANCY, unresolved
Redemption
Ratio: 1 point = Rs 0.25 (both aggregators agree, flagged as low)
Excluded from rewards: fuel, EMI payments
- Visa Infinite privileges
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Complimentary domestic and international lounge access — Paisabazaar
- Low forex markup benefits frequent travelers — Paisabazaar
- Visa Infinite privileges enhance the card's premium positioning — Paisabazaar
Complaints
- High annual fee with no waiver option — Paisabazaar
- Low reward redemption value (Rs 0.25/point) — Paisabazaar
- Spend-based benefits are difficult for average users to maximize — Paisabazaar
- No rewards on fuel/EMI — Paisabazaar
Sources
- Official — confirmed fee amount only; JS-rendered page did not return full benefit content
- Aggregator — fees, eligibility, forex, lounge, rewards, sentiment
- Aggregator — lounge detail, welcome offer, user complaint