IDFC Ashwa Credit Card
- Lifestyle & Travel
- Get Rs 500 cashback on each
- Buy 1 Get 1 offer on movie tickets
- 4 complimentary visits to domestic airport
- Upto 2 complimentary golf rounds
- Trip cancellation cover
The IDFC FIRST Ashva Credit Card is a premium credit card designed for people who spend regularly and want luxury benefits. It is a metal card, which makes it feel stylish and exclusive. The card is built for those who enjoy travel, entertainment, and lifestyle perks. It comes with features like airport lounge access, movie ticket discounts, low foreign exchange fees, and golf sessions.
You can earn reward points on almost every purchase. If you spend more than ₹20,000 in a month, you get more reward points. You also get extra benefits on your birthday and through milestone rewards. The card offers insurance coverage, roadside assistance, and a welcome bonus.
However, the card comes with an annual fee of ₹2,999 + taxes, and you must spend regularly to unlock most of the benefits. If you do not use the premium features, the value may not match the cost.
This card is best for users who have high monthly spending and want to enjoy premium services. For occasional or light spenders, there might be better cards with no or lower fees.
Offer Details
- Get Rs 500 cashback on each of the first 4 transactions of Rs 500+ within 60 days of card issuance
- Buy 1 Get 1 offer on movie tickets (upto Rs 400) twice a month via BookMyShow
- Upto 2 complimentary golf rounds/lessons per month
- 4 complimentary visits to domestic airport spas & lounges in a quarter
- 2 complimentary visits to international airport lounges in a quarter
- Trip cancellation cover of upto Rs 25,000 for upto 2 claims on hotel & flight bookings
Fees & charges
- Joining Fees: Rs 2999 + GST
- Annual Fees: Rs 2999 + GST
Pros
Stylish metal card with premium design
10X reward points on high monthly spends and birthdays
Complimentary airport and railway lounge access
Low 1% foreign transaction fee
Free golf sessions and BOGO movie tickets
Travel insurance and roadside assistance included
Points never expire
Cons
₹2,999 + GST annual fee (no waiver)
Most perks need ₹20,000+ spend per month
No rewards on fuel or EMIs
Reward points are not very valuable outside travel
Not suitable for low or average spenders
Conclusion
The IDFC FIRST Ashva Credit Card is a good choice if you spend a lot every month and want to enjoy luxury travel and lifestyle benefits. It gives good value through lounge access, movie discounts, golf sessions, and insurance. But if your spending is low or you don’t use these features, the card may not be worth the annual fee. Always compare with other cards before applying to see what fits your needs best.
Eligibility Criteria
- Age: 21-65 years
- Employment: Both salaried and self-employed individuals
- Credit Score: 710+
- New to Credit: Not Allowed
Documents Needed
- ID Proof: PAN Card/Form 60
- Address Proof: Aadhaar, Passport, or utility bills
- Income Proof: Bank statements or Salary slips
- Recent passport-sized photo
Frequently Asked Questions
1. What is the annual fee for the Ashva Credit Card?
The annual fee is ₹2,999 + GST. There is no option to waive this fee.
2. Do I get lounge access with this card?
Yes. You get 4 domestic and 2 international airport lounge visits every 3 months (quarter), but only if you spend at least ₹20,000 in the previous month.
3. How do reward points work on this card?
You earn:
10X points on spending above ₹20,000/month and on your birthday
5X points on spending below ₹20,000
Points don’t expire and can be used for travel, shopping, or vouchers.
4. Is this a metal card?
Yes, the Ashva card is made of metal and has a premium design.
5. Can I use this card while traveling abroad?
Yes. It works worldwide and charges only 1% foreign currency markup, which is lower than most cards.
6. Do I get movie ticket discounts?
Yes. You get Buy 1 Get 1 Free (BOGO) on movie tickets twice a month, up to ₹400 off per ticket.
