IDFC FIRST Ashva Metal Credit Card
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Mid-fee metal travel card with low forex markup, 4 domestic + 2 international airport lounge visits a quarter, and accelerated points on app travel bookings.
- Welcome offer
- 2,500 reward points on paying the joining fee, plus 2,500 each on ₹20,000 spend in the 2nd and 3rd statement cycles
- Annual fee
- ₹3,539 a year incl. GST (₹2,999 + GST); ₹8 lakh spend earns 7,500 bonus points rather than a waiver
- Rewards rate
- 5X points up to ₹20,000 a cycle, 10X above ₹20,000; 2X on international; 30X on hotels and 15X on flights booked in the IDFC app; points worth up to ₹0.40 on app travel bookings
- Regular APR
- Interest is charged monthly; see the bank's fees page
- Recommended CIBIL score
- CIBIL 700+
- Forex markup
- 1% (card page; product document says zero — see notes)
- Airport lounges
- Domestic, international and railway lounges. 4 domestic + 2 international + 4 railway a quarter.
- Points go to
- IDFC FIRST Reward Points. Points can't be transferred to airlines or hotels. They're worth ₹0.25 each for vouchers or statement credit, or ₹0.50 on flights and hotels booked in the IDFC FIRST app.
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