IDFC Ashwa Credit Card

About Credit Card

The IDFC FIRST Ashva Credit Card is a premium metal Visa Infinite card from IDFC FIRST Bank, ideal for high spenders in India seeking rewards, lounge access, and low forex fees.

Key Features

Joining and annual fee: ₹2,999 + GST, with welcome benefits of up to 7,500 Reward Points (worth up to ₹3,000) on fee payment and milestone spends.
Rewards: 10X points per ₹150 on incremental spends above ₹20,000/month; 5X up to ₹20,000; 3X on rent, wallet loads, education, government spends; 1X on others (points don't expire).
Redemption: 1 RP = ₹0.25 (vouchers/cash) or ₹0.40 via IDFC Travel & Shop; max 70% of booking value.

Travel Benefits

Lounge access: 4 domestic + 2 international per quarter (on ₹20,000+ prior month spend); 4 railway lounges/quarter.
Forex markup: Low 1% on international transactions.
Insurance: Purchase protection, accident cover, trip cancellation, credit shield.

Lifestyle Perks

Golf: 2 complimentary rounds/lessons per ₹20,000 spend cycle.
Movies: ₹400 tickets twice/month via District by Zomato.
Fuel waiver: 1% up to ₹300/month; milestone bonus: 7,500 RP on ₹8 lakh annual spend.

Eligibility & Charges

Suited for ₹12 lakh+ annual income; apply via IDFC site.
Other fees: Cash advance ₹199; interest up to 46.2% p.a.; rewards redemption ₹99 + GST.

Eligibility Criteria

Basic Requirements

Age: 21-60 years for primary cardholder; 18+ for add-on cards.
Indian resident with a valid PAN card.
Minimum annual income: ₹12 lakh or more for salaried; equivalent ITR for self-employed.

Documents Needed

Proof of identity (Aadhaar, Passport, Voter ID, Driving License).
Address proof (same as above, plus utility bills).
Income proof: Salary slips (last 3 months), Form 16/ITR (last 2 years).
Bank statements (last 3-6 months).

Application Tips

Apply online via the IDFC FIRST Bank website or app after an eligibility check.
A good CIBIL score (typically 750+) boosts approval chances.

How to Apply?

Eligibility Check

First, confirm you meet basic criteria: Age 21-60 years, Indian resident, stable income (typically ₹12 lakh+ annually for Ashva), and good credit score (700+ preferred).

Application Steps

Visit the official IDFC FIRST Bank website (idfcfirstbank.com) or mobile app.
Navigate to the Credit Cards section and select "Ashva Metal Credit Card."
Click "Apply Now" and fill in personal details (name, mobile, email, PAN).
Enter employment/income info and upload documents (Aadhaar/PAN, salary slips/ITR, address proof).
Submit; expect instant approval or verification call/ECS mandate within 7-10 days.

Post-Application

Pay joining fee (₹2,999 + GST) if approved; card delivers in 7-15 days (metal variant).
Track status via app or SMS; physical verification may occur at your address.

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