IDFC FIRST Bank believes in complete transparency, and we want our customers to make an informed decision about their Joining Fee and its associated benefits. By asking for payment upfront, we are aligning with our core values of openness and trust, ensuring you have full cognizance about the applicable fee, before committing to this premium metal card. This process allows you to make a conscious choice in a responsible and transparent manner. By choosing this process we also aim to minimize wastage due to cancelled and returned cards.

•You will receive communication from the bank to pay the joining fee as soon as your credit card application is approved.

•You can also pay the Joining Fee of ₹2,999 + GST by clicking here .

•On the next page you must authenticate using the mobile number and date of birth as mentioned during the card application. The payment can be made using UPI and net banking.

Once your Ashva Credit Card application is approved, upfront Joining Fee payment of ₹2,999 + GST is required to get the credit card dispatched. To pay the Joining Fee, click here 

•As per the process, upfront Joining Fee payment is required to activate your digital card and dispatch of the metal card.

•On card application approval, you will receive communication to pay the Joining Fee. To pay the Joining Fee now, click here 

Once the Joining Fee is paid, please make sure that you have enabled online (Ecom) transactions on the card. To enable online transactions, please click here  

Once the Joining Fee payment is completed, the credit card can be used for online transactions. To enable online transactions and to get the card details, please use the IDFC FIRST Mobile Banking App  

On payment of joining fee, the metal credit card will be dispatched to your mailing address registered with the bank and should arrive in 5 working days. If your address has changed, please visit a nearby branch and get your address updated in the bank records. Once, the address is updated, please call 180010888 to get the card dispatched to the updated address.

On payment of joining fee, you will receive cashback of ₹500 for each of any 4 transactions worth ₹500 or more, completed using your credit card within 60 days of card generation. The joining benefit will be credited in the next statement. Cash withdrawal transactions, fees and charges will not be eligible for the joining benefit.

If you are applying for your first IDFC FIRST Bank unsecured credit card, you will get a credit limit as per our internal policies.

If you already have an IDFC FIRST Bank unsecured credit card, your new credit card will also have the same credit limit. The credit limit, however, will be shared across all unsecured credit cards.

Yes. You will earn:

- 10X reward points for incremental spends above ₹20,000 in a statement cycle and on your birthday.

- 5X reward points on spends up to ₹20,000 in a statement cycle.

-  3X reward points on Education, Wallet Load, Government, Rent and Property Management/Purchase transactions. 1 reward point on utilities and insurance transactions. Spends in these categories will not be considered for the 10X monthly milestone.

-  Reward points will not be given on spends converted to EMI, Cash Withdrawal, Fuel, Fee and Charges.

-  1X reward point is given for every ₹150 spent in a transaction. Value of 1 reward point is ₹0.25.

Education, Wallet Load, Government, Rent and Property Management/Purchase transactions, Utilities, Insurance, EMI, Cash Withdrawal, Fuel, Fee and Charges.

Only those transactions which are settled by the merchant before the statement generation will be considered. If a transaction is settled after the statement is generated, it will not accrue 10X rewards. Rewards for such transactions will be credited after the next statement generation.

The Ashva Credit Card provides the benefit of never-expiring reward points. The reward points remain valid till the credit card remains active.

The Ashva Credit Card comes loaded with benefits like discounts on 300+ brands, movie tickets, complimentary airport lounge access, etc. The full list of benefits is mentioned above.

For brand offers, you can visit the offers website 

The Ashva Credit Card offers one of the lowest forex markups in the industry at just 1%. Spend seamlessly while travelling abroad as well as on international purchases made from India.

Yes, Ashva Credit Card offers:

-  4 complimentary visits per quarter to lounges and spas at airport terminals in India.

-  2 complimentary visits per quarter to lounges at foreign airports

The lounge benefit can be availed in the next calendar month on spending ₹20,000 or more in the current calendar month.

Use your credit card to access Indian airport lounges and the Dreamfolks Card to access spas and lounges at Indian and overseas airport terminals.

You can also book airport lounge and spa by clicking here. 

You can activate your 1 Lounge/Spa benefit for the next calendar month by spending ₹20,000  or more in the current calendar month.

E.g. Meet spend criteria between 1st to 31st March to activate the benefit in April.

To know how to book an airport lounge online, click here.

Yes. You can avail up to 2 rounds/lessons in a month. Each round/lesson is unlocked for every ₹20,000 spent in the previous statement cycle.

Yes, you can! All ATM cash withdrawals are interest-free for up to 45 days – in India or abroad. Cash withdrawal from ATMs outside India will attract a forex markup fee of 1% (+GST). Please keep in mind, however, that a Cash Advance Fee of ₹199/- + GST is applicable per transaction, irrespective of your location or the withdrawal amount. The maximum cash withdrawal limit per transaction is ₹10,000.

For transactions in India, yes, you will be asked for a PIN for completing the transactions. However, outside India, you will be asked for the PIN only if the POS terminal is enabled for PIN authentication.

On spending ₹8,00,000 or more in a card anniversary year, you will get 7,500 reward points. The reward points will be credited on payment of annual fee for the next year. Transactions on primary, add-on and associated FIRST Digital (UPI) Credit Card will be considered towards the milestone, including EMI transactions. Cash withdrawal, fee charges and EMI amortization will be excluded from the benefit. 

The reward points will get credited upon statement generation. 

Using the Ashva Credit Card, you get buy-one-get-one movie offer twice a month via BookMyShow. You can get a discount of up to ₹400 on the second ticket.

The Ashva Credit Card comes loaded with benefits like discounts on 300+ brands, movie tickets, complimentary airport lounge access, etc. The full list of benefits is mentioned above.

For brand offers, you can visit the offers website 

Yes, Ashva Credit Card offers:

-  4 complimentary visits per quarter to lounges and spas at airport terminals in India.

-  2 complimentary visits per quarter to lounges at foreign airports

The lounge benefit can be availed in the next calendar month on spending ₹20,000 or more in the current calendar month.

Use your credit card to access Indian airport lounges and the Dreamfolks Card to access spas and lounges at Indian and overseas airport terminals.

You can also book airport lounge and spa by clicking here. 

You can activate your 1 Lounge/Spa benefit for the next calendar month by spending ₹20,000  or more in the current calendar month.

E.g. Meet spend criteria between 1st to 31st March to activate the benefit in April.

To know how to book an airport lounge online, click here.