IDFC First Bank Ashva Metal Credit Card benefits
- Rewards5
reward points per ₹150 on spends up to ₹20,000 a statement cycle
- Rewards10
reward points per ₹150 on spends above ₹20,000
- Travel1
point is worth ₹0.40 on flights and hotels in the IDFC FIRST Bank app
- Lounge4
domestic and 2 international lounge visits each quarter
- Benefit
Metal card
Good to know
- Annual fee of ₹1,000
IDFC First Bank Ashva Metal Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Bills and utilities1 reward point per ₹150 on utilities, insurance, railways and FASTag. | 0.67 points per ₹100 | None |
| Everything else | 3.33 points per ₹100 | None |
| Spends above ₹20,000 a month10 reward points per ₹150 on spends above ₹20,000 in a statement cycle. | 6.67 points per ₹100 | None |
We value one point at ₹0.25 in the usual redemption.
No rewards on: Fuel, EMI conversions, cash withdrawals, and fees and charges.
All reward rules
- IDFC FIRST Bank gives 5 reward points per ₹150 on eligible spends up to ₹20,000 in a statement cycle, which is about 3.33 points per ₹100. Above ₹20,000, eligible spends earn 10 points per ₹150, and our maths counts both rates.
- 1 reward point is worth ₹0.25, or ₹0.40 on hotel and flight bookings in the IDFC FIRST Bank app.
- From 26 October 2026, international spends earn 2X reward points, and count towards the ₹20,000 monthly threshold.
- Rent, government, wallet loads and education earn 3 points per ₹150. Points are earned only on spends up to your credit limit in each billing cycle.
What the IDFC First Bank Ashva Metal Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “online shopper” pattern. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹3,000 | 1.05% | ₹378 |
| Dining and food delivery | ₹2,000 | 1.05% | ₹252 |
| Online shopping | ₹18,000 | 1.05% | ₹2,266 |
| Travel | ₹1,000 | 1.05% | ₹126 |
| Fuel | ₹1,000 | 0% | ₹0 |
| Bills and utilities | ₹2,000 | 0.17% | ₹40 |
| Everything else | ₹3,000 | 1.05% | ₹378 |
| Total | ₹30,000 | ₹3,439 | |
| Renewal fee with GST | −₹1,180 | ||
| You keep | ₹2,259* |
IDFC First Bank Ashva Metal Credit Card annual fee and charges
- Joining fee
- ₹2,000
- Annual fee
- ₹1,000
The metal card's joining fee is ₹2,000 (₹1,500 for the plastic card), and the annual fee is ₹1,000 for both. Fees are before GST. The card page mentions both 0% and 1% forex markup, so we do not show one. Check it before you travel.
IDFC First Bank Ashva Metal Credit Card eligibility
We could not confirm age and income limits from IDFC FIRST Bank's card page. The bank decides at the time of application.
The bank alone decides approval and your credit limit.
IDFC First Bank Ashva Metal Credit Card lounge access
16 domestic and 8 international visits a year. Banks often set a spend condition, so read the reward rules above.
4 domestic visits and 2 international visits each quarter.
Is the IDFC First Bank Ashva Metal Credit Card right for you?
A card with a ₹1,000 yearly fee, paying an average 0.83% on most spends.
Worth its fee if you spend about ₹13,000 a month or more. Below that, the ₹1,000 fee costs more than the card gives back on spending like the example above.
Good for you if
- You fly a few times a year: it includes 16 domestic and 8 international airport lounge visits a year.
Not for you if
- Your rewards would not reach ₹1,180 a year: that is the renewal fee with GST, and spending does not waive it.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to IDFC First Bank Ashva Metal Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| IDFC First Bank Ashva Metal Credit Card | ₹1,000 | 1.67% | ₹1,679* |
| HSBC Premier Credit Card | Free | 3% | ₹9,720* |
| BOBCARD ETERNA Credit Card | ₹2,499 | 3.75% | ₹7,470* |
If most of your spending looks like the example above, the HSBC Premier Credit Card may suit you better: it would leave you ₹10,440 a year, against ₹2,259 with the IDFC First Bank Ashva Metal Credit Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the annual fee of the IDFC FIRST Ashva Credit Card?
The metal card has a ₹2,000 joining fee and a ₹1,000 annual fee, both before GST. The plastic card's joining fee is ₹1,500.
Is the IDFC FIRST Ashva Credit Card lifetime free?
No. It has a ₹1,000 annual fee.
How many reward points does the IDFC FIRST Ashva Credit Card give?
It gives 5 reward points per ₹150 on spends up to ₹20,000 in a statement cycle, and 10 per ₹150 above that.
How many lounge visits does IDFC FIRST Ashva give?
It gives 4 domestic and 2 international lounge visits each quarter.