IDFC FIRST Ashva Metal Credit Card
IDFC FIRST Bank
Last verified: 26 Sept 2026
Reward Program
| Category | Earn Rate | Monthly Cap |
|---|---|---|
travel | 5% | No cap |
travel | 2.5% | No cap |
| All other spends | 0.83% | No cap |
Redemption fee: 99
Managed via IDFC FIRST Rewards
Transfer partners
Live Offers
84 activeHCFUR5KTill 31 DecVISAPF1600Till 31 DecGRTVISA1500Till 31 OctADNAIRTill 31 DecEMTVISATill 31 DecBenefits
Lounge Access
4 domestic visits/quarter
2 international visits/quarter
4 complimentary domestic airport lounge visits a quarter, 2 international, and 4 railway lounge visits a quarter. ACTIVATION REQUIRED: spend ₹20,000 in the current month to activate the benefit for the next calendar month.
Welcome Benefit
2,500 Reward Points on receipt of the joining fee, a further 2,500 on spends of ₹20,000 in the 2nd statement cycle, and 2,500 more on ₹20,000 in the 3rd — 7,500 points in all.
Annual Benefit
7,500 Reward Points, worth up to ₹3,000, on minimum spends of ₹8 lakh in the previous card anniversary year.
There is no flat renewal benefit. Recurring value sits in the fee waiver and in any milestones recorded in the milestones array.
Insurance Cover
trip cancellation₹25,000
Milestone Benefits
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹2,999/yr |
| Renewal Fee | ₹2,999/yr |
| Forex Markup | 0% |
| Interest Rate | 46.2% p.a. |
| Cash Advance Fee | ₹199 + GST per transaction, flat, with 0% interest for up to 45 days. |
| Reward Redemption Fee | 99 |
