Ashva Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: IDFC FIRST Bank
Network: Visa | Tier: Premium
Premium metal travel card with lounge access, low forex markup and accelerated rewards.
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
- Global lounge access
- Strong reward earning"
Drawbacks of the Ashva Credit Card
- Premium eligibility requirements
- Benefits may change"
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.
Expert Rating: 4/5