Ashva Credit Card
IDFC FIRST Bank · Premium
1X = 1 reward point per ₹150; up to 10X on incremental spends above ₹20,000 per cycle.
- Joining fee
- ₹2,999
- Annual fee
- ₹2,999
- Waiver spend
- –
- Forex markup
- 1%
Fee waiver
No spend-based waiver listed by the bank.
Recent changes
- 9 September 2026Better for you
Forex markup cut to zero on all existing and new credit cards, and a planned stop to reward points on international spends was dropped.
- 18 June 2026Worse for you
Movie benefits need Rs 20,000 spend in the previous month, and reward points are earned only on spends up to the credit limit.
- 18 January 2026Worse for you
Rewards on international spends cut from 10X to 5X unless monthly spend is Rs 20,000, and no rewards for a cycle if the minimum due is missed.
Work it out for this card
How the app counts rewards
- 1X points on utilities, insurance, railways and FASTag
- 3X points on rent, education and wallet loads
- 5X points on international spends (2X from 26 Oct 2026)
- 5X points on spends up to ₹20,000 a cycle (10X above that)
No rewards on fuel.
Airport lounges
- Domestic: 4 visits a quarter
- International: 2 visits a quarter
Points
Reward Points, worth about ₹0.25 each on the usual redemption.
Some values on this page are not yet confirmed against the bank's terms. Check the bank's own page before you rely on them.
Taken from the bank's page. Rules data version 2026.10.04.
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