IDFC FIRST Ashva Metal Credit Card Review
Author And Publisher: Gyro 3.oIDFC FIRST Ashva Metal Credit Card
Financial Expert Advice
Choose Your First (or Next) Credit Card Wisely
"Limit yourself to holding two credit cards A/C—one for daily expenses and auto-debits, and another reserved for emergencies.
Avoid chasing cashback, miles, rewards or Investments, as this can distract from sound financial management;
and lead to unnecessary debt. Focus on stability & discipline."
Ashva Metal Credit Card Review: Smart Rewards, Travel Comforts, and Prestige in Your Wallet
introduction
The IDFC FIRST Ashva Metal Credit Card is a premium card designed for professionals and urban users who want a mix of style and strong rewards. It features a sleek metal design and offers great benefits like free access to airport lounges in India and abroad, plus 10 times the reward points on big spends. It also has useful digital features, low fees on foreign transactions, and travel protections. This card suits those who seek a powerful everyday card offering premium travel benefits at a more affordable cost than luxury cards.
key features and benefits
Premium Metal Construction
- Heavy, durable metal finish for premium touch and recognition.
Membership Fees & Exclusive Benefits
Joining Fee: ₹2,999 + GST & annual Fee: ₹2,999 + GST.
Earn 2,500 points on joining, plus 2,500 points each for spending over ₹20,000 in your 2nd and 3rd statement cycles[total 7,500 points].
Annual fee milestone: Spend minimum ₹8 Lakhs in the previous card anniversary year and get 7,500 Reward Points (worth upto ₹3,000).
Rewards Structure
- 10X Reward Points incremental spends above ₹20,000 in a statement cycle.
- 5X Reward Points on spends up to ₹20,000 in a statement cycle.
- 3X Reward Points on Rent, Education, Government and Wallet Load transactions.
- 1X Reward Points on Insurance and Utility transactions.
Accelerated Rewards
Ashva Credit Card – Earn & Redemption
Earn
50X bonus points on hotel bookings via “Travel & Shop” in IDFC FIRST app.
30X bonus points on flight bookings via the same app section.
Up to 10X reward points on incremental spends above ₹20,000/month.
1X = 1 reward point for every ₹150 spent (base rate).
Redemption
1 reward point = ₹0.40 for hotel/flight bookings via “Travel & Shop” in the app.
Summary:
Highest rewards for booking hotels/flights through the app.
More points for higher monthly spends.
Best redemption value is for travel bookings in the app.
High-Value Redemptions
1 point = ₹0.40 for travel bookings And Hotel Bookings.
1 point = ₹0.25 for everything else.
Travel Perks
Airport Lounges: complimentary access to the airport lounges 4 times in india and 2 times international.
- Stay across The Postcard’s luxury hotels and resorts in India at attractive discounts with your Ashva Credit Card. Enjoy a flat discount of ₹5,000 on a minimum booking of ₹25,000.
The benefit can be availed once every calendar quarter using promo code: IDFCVIP
- You can cancel flight and hotel bookings for any reason and get reimbursed up to ₹25,000 twice a year for the non-refundable amount.
- Railway Lounges: Avail 4 complimentary visits to lounges at select Indian Railway Terminals.
VISA infinite Privileges
- Enjoy personalized concierge for dining, staycations, flights, and travel activities—self-book and get expert assistance anytime.
- Enjoy a complimentary 3rd night for every 2 consecutive paid nights at ITC Hotels or Stay for 2 nights and enjoy the 2nd night at 50% off at ITC Hotels.
- Enjoy a complimentary 3rd night for every 2 consecutive paid nights booked at Elivaas’ properties or Stay for 2 nights and enjoy the 2nd night at 50% off at Elivaas’ properties
- Access to over 900 luxury hotels around the world with premium benefits such as automatic room upgrade upon arrival, complimentary in-room Wi-Fi, complimentary continental breakfast, VIP Guest status, 3PM check-out upon request and others.
- Get 1 free meet & greet service at major Indian airports per year with your card by spending $1000 (≈₹85,000) internationally in the past 12 months; after that, or for extra guests, enjoy a flat 10% discount (VISA Infinite cards only).
- Experience luxury dining at its finest—handpicked restaurants, bespoke menus, and priority access await you with your VISA Infinite card. Reserve now on https://dinewithvisa.in
- Get attractive discounts on airport transfer limousine services across in over 3000 cities across 83 countries.
Comprehensive insurance
- Air Accident Cover of ₹1 Crore, Personal Accident Cover of ₹10 lakh and Lost Card Liability Cover of ₹50,000. Valid on doing at least one transaction on the Ashva Credit Card in the last 30 days.
- Loss of Checked-in Baggage: USD 500.
- Delay of Checked-In Baggage: USD 100.
- Loss of Passport and other documents: USD 300.
- Delay in Flight: USD 300.
- Complimentary Roadside Assistance worth ₹1,399 T&C apply.
lifestyle perks
- Avail a buy one get one free offer on Movie Tickets with up to ₹400 off on the second ticket, twice in a calendar month.
- 2 Complimentary golf sessions/Lessons every month when you spend over ₹20,000 a month.
Fees and charges
| Category / Fee | Details | |
|---|---|---|
| Joining fees | ₹2999+GST | |
| Annual Fee | ₹2999+GST | |
| Add-on Credit Card: | ||
| Joining Fee (Metal Variant) | ₹2000+GST | |
| Joining Fee (Plastic Variant) | ₹1500+GST | |
| Annual Fee (Both Variant) | ₹1000+GST | |
| forex markup | Low 1% forex markup (+ GST) on all international spends, including those in INR. |
Struggling to keep up with mounting credit card bills?
Card Essentials
| Type | Reward Points |
| Welcome Benefits | upto 7500 points |
| Annual Fee | ₹2999 + GST |
| Reward Structure | Rewards on Eligible SPENDS |
| Renewal Benefit | Spend ₹8L/year, get 7,500 points (worth up to ₹3,000). |
Rewards and Benefits Analysis
The IDFC FIRST Ashva Metal Credit Card is a premium card best suited for urban professionals who spend ₹20,000 or more monthly. It offers up to 10X reward points on incremental spends above ₹20,000 and 5X on spends up to ₹20,000, with accelerated rewards on rent, education, and government spends. The points can be redeemed mostly for travel bookings at a high value.
Practical Considerations
- Eligibility: Indian resident, 21+, annual income ₹12 lakh+, with standard KYC.
- Spending Thresholds: ₹20,000+ monthly spend needed for lounge/golf perks; ₹8 lakh annually for milestone bonus.
- Limitations: No free add-ons, capped lounge visits (4 domestic + 2 international), no air miles transfer.
- Best Strategy: Spend ₹20k+ monthly, redeem via app for travel, use statement credit for relief, leverage low forex fees.
Redemption Options
IDFC FIRST App/Portal
Redeem points for statement credit (₹0.25/pt), e-vouchers, travel (₹0.40/pt best value).
All redemptions direct, digital, and instant.
Best Strategy
Accumulate points for travel bookings for highest ROI.
Use statement credit for off-cycle expense relief.
Never let points expire—Ashva points are perpetual!
Ideal User Profile
- Young to mid-career professionals (ages 25–45) with stable incomes above ₹12 lakh annually.
Urban earners and dual-income households who consistently spend ₹20,000+ per month across categories like shopping, dining, travel, and bills.
Frequent travelers (domestic and international) who value complimentary airport and railway lounge access, travel insurance, and hotel/flight booking rewards.
Lifestyle seekers who enjoy golf, movies, luxury dining, and hotel stays, but want these perks at a mid-premium price point.
Value-conscious spenders who want a prestigious metal card with strong rewards and travel benefits, without paying ultra-luxury card fees.
Final Thoughts
Strengths
Bold metal design, up to 10X all-spend rewards, broad lounge and leisure access.
1% forex fee, milestone bonuses, and instant, perpetual digital reward structure.
UPI and wallet rewards rarely seen at this tier.
Accessible, easy to maximize for professionals with moderate to high regular spends.
Limitations.
No free add-on cards.
No international air miles transfer or elite travel concierge.
Verdict
IDFC FIRST Ashva Metal is the best all-rounder mid-premium credit card for India’s modern urban rising class in 2025. It turns everyday spends into milestone celebrations—delivering luxury, travel, and flexibility at a price point accessible to successful professionals, not just super-rich elites.
Additional Tips for Applicants
Plan ₹20,000+ spends monthly for maximum tier bumps, lounge access, and golf.
Use the IDFC FIRST app for redemption, travel bookings, and digital offers.
Add family members as paid add-ons only if combined spends cross ₹1.2 lakh/year.
Consider Ashva’s value vs. other metal cards, Ashva is best for spenders and digital-lifestyle users who want “luxury value.”
This review offers a clear and balanced overview of The IDFC FIRST Ashva Metal Credit Card’s strengths and limitations, helping readers make an informed choice about whether this card fits their
Spending Habits And Financial Goals.
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