IDFC FIRST Ashva Credit Card Review
The IDFC FIRST Ashva is a semi-premium metal card sitting below the Mayura — low forex, generous lounge access and accelerated rewards on higher spends. IDFC trimmed several benefits in 2026, so it’s important to read the current terms. Here is the verified review.
- Metal card with a low 1% forex markup
- Up to 16 domestic + 8 international lounge visits/year
- 10X on incremental spends above ₹20,000/month + birthdays
- 30X hotels / 15X flights via the app
- ₹0.40/point on travel redemption
- International earning cut to 5X (from 10X)
- Movie BOGO needs ₹20,000 prior-month spend
- No points for a cycle if you miss minimum payment
- Rewards only up to credit limit (from 18 Jun 2026)
- ₹0.25/point on non-travel redemption
Rewards & benefits
| Item | Detail |
|---|---|
| Card | Metal; 1% forex markup |
| Accelerated | 10X above ₹20,000/month + birthdays; 5X up to ₹20,000/international |
| Travel (in-app) | 30X hotels / 15X flights |
| Point value | ₹0.40 (travel Gallery) / ₹0.25 (other) |
| Lounge | Up to 16 domestic + 8 international/year |
| Forex / fuel | 1% forex; 1% fuel surcharge waiver (up to ₹300/cycle) |
Eligibility & documents
Age
21 to 60 years
Income
Per IDFC norms
Recommended CIBIL
~750+
Network
Visa
Forex
1% markup
Documents
PAN, Aadhaar, income & address proof
Who this card is for
- Best fit: travellers who spend above ₹20,000/month and value low forex + generous lounges.
- Skip if: you relied on the old 10X international rate or spend lightly.
How to apply & how to cancel
Apply: via idfcfirstbank.com. Cancel: call IDFC FIRST after clearing dues; redeem points (best via Rewards Gallery) first.
Final verdict
The IDFC FIRST Ashva is a strong semi-premium metal card — low 1% forex, generous lounges and accelerated rewards on higher spends. The 2026 devaluations (5X international, movie-BOGO condition, credit-limit cap) trim its edge, so judge it on current rates; for ₹20k+/month travellers it remains compelling.
Frequently asked questions
What’s the forex markup?
A low 1% — strong for a semi-premium card.
How rewarding is it?
10X on incremental spends above ₹20,000/month and birthdays, 5X up to ₹20,000/international, and 30X/15X on hotels/flights via the app (points worth ₹0.40 on travel redemption).
What changed in 2026?
International cut to 5X, movie BOGO needs ₹20,000 prior-month spend, no points if minimum payment is missed, and rewards capped at credit limit (from 18 June 2026).
How much lounge access?
Up to 16 domestic and 8 international lounge visits a year.
Data current as of June 2026, cross-checked against IDFC FIRST Bank and aggregators. Rewards were revised in 2026 — confirm the latest MITC on idfcfirstbank.com before applying.