Ashva Credit Card
Issuer: IDFC First Bank
Network: Visa | Tier: Premium
Premium metal travel card with lounge access, low forex markup and accelerated rewards.
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 |
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
- Metal card
- Airport lounge access
- Low forex markup
- Up to 10X rewards"
Eligibility Criteria
- Age 18+
- High income profile
- Excellent credit score"
Minimum Income Required: Lifestyle/travel-focused eligibility
Pros
- Premium travel privileges
- Global lounge access
- Strong reward earning"
Cons
- Premium eligibility requirements
- Benefits may change"
Expert Rating: 4/5