Ashva Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: IDFC FIRST Bank
Network: Visa | Tier: Premium
The Ashva Credit Card is a Premium Visa credit card issued by IDFC FIRST Bank, best suited for premium customers seeking metal card experience at mid-tier fee. Premium metal travel card with lounge access, low forex markup and accelerated rewards. It carries a joining fee of ₹2,999, with an interest rate of 8.5% – 46.2% p.a. (0.71% – 3.85% per month); Overdue: 47.88% p.a.. Key benefits include Metal card, Airport lounge access, Low forex markup, and Up to 10X rewards. Reward earnings work as follows: Accelerated travel/lifestyle rewards. New cardholders get a welcome benefit of Merchant welcome privileges. On fees — Lounge access: Complimentary domestic lounge access; Foreign transaction markup: 1.99% on foreign currency / DCC transactions; Fuel surcharge: 1% fuel surcharge waiver on transactions ₹200 – ₹5,000 per statement cycle. Applicants typically need lifestyle/travel-focused eligibility to qualify. It falls under the Premium / Metal category on CreditCardHunt.
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Why Choose the Ashva Credit Card?
The Ashva Credit Card is a Premium-tier Visa credit card issued by IDFC FIRST Bank, rated 4/5 by the Credit Card Hunt editorial team. It is best suited for Premium customers seeking metal card experience at mid-tier fee. With a reward rate of Accelerated travel/lifestyle rewards and an annual fee of ₹2,999, it ranks among the popular Premium / Metal cards in India in 2026.
New cardholders are welcomed with Merchant welcome privileges, which adds immediate value in the first year and helps recover the ₹2,999 joining fee.
Ashva Credit Card Fees & Charges
| Annual Fee | ₹2,999 |
|---|---|
| Joining Fee | ₹2,999 |
| Interest Rate | 8.5% – 46.2% p.a. (0.71% – 3.85% per month); Overdue: 47.88% p.a. |
| Foreign Markup | 1.99% on foreign currency / DCC transactions |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions ₹200 – ₹5,000 per statement cycle |
Ashva Credit Card Rewards & Benefits
| Reward Rate | Accelerated travel/lifestyle rewards |
|---|---|
| Welcome Bonus | Merchant welcome privileges |
| Lounge Access | Complimentary domestic lounge access |
| Best For | Premium customers seeking metal card experience at mid-tier fee |
Key Highlights of the Ashva Credit Card
- Metal card
- Airport lounge access
- Low forex markup
- Up to 10X rewards
Ashva Credit Card Eligibility Criteria
- Age 18+
- High income profile
- Excellent credit score
Minimum Income Required: Lifestyle/travel-focused eligibility
Advantages of the Ashva Credit Card
- Premium travel privileges — a real advantage for premium customers seeking metal card experience at mid-tier fee.
- Global lounge access — a highlight among IDFC FIRST Bank's premium lineup.
- Strong reward earning — a built-in advantage for cardholders.
Drawbacks of the Ashva Credit Card
- On the downside: premium eligibility requirements.
- Benefits may change may not suit every applicant.
Ashva Credit Card — Frequently Asked Questions
What is the annual fee of the Ashva Credit Card?
The Ashva Credit Card has an annual fee of ₹2,999 and a joining fee of ₹2,999. New cardholders receive Merchant welcome privileges as a welcome benefit, which helps offset the joining cost.
Does the Ashva Credit Card offer airport lounge access?
Yes — the Ashva Credit Card offers Complimentary domestic lounge access.
Who is eligible for the Ashva Credit Card?
The minimum income requirement is Lifestyle/travel-focused eligibility. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Ashva Credit Card?
The Ashva Credit Card earns Accelerated travel/lifestyle rewards. It is best suited for Premium customers seeking metal card experience at mid-tier fee.
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
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Expert Rating: 4/5 (Credit Card Hunt editorial score)