IDFC FIRST Ashva
IDFC FIRST Bank · Checked 2026-10-09
IDFC FIRST Ashva is a paid card focused on travel benefits, flights and international spending, charging ₹2,999 annually before GST.
CardIQ editorial view
Our take
IDFC FIRST Ashva is a paid card focused on travel benefits, flights and international spending, charging ₹2,999 annually before GST.
Who it suits
- People who prioritise travel benefits.
- People who prioritise flights.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- Up to 40X points on eligible travel bookings through the bank app.
- Reward value depends on redemption method; advertised maximum is ₹0.40 per point.
Trade-offs to understand
- 1% foreign-currency markup plus applicable taxes.
- The ₹2,999 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes up to 40x points on eligible travel bookings through the bank app valuable enough to clear the fee. Factor in this condition: 1% foreign-currency markup plus applicable taxes.
Compare before deciding
- SBI Card MILES PRIME — A similarly priced alternative for comparing reward points and international spending.
- Kotak Air+ — A higher-fee option to compare for broader benefits around reward points and international spending.
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Benefits, limits and conditions
- Reward value depends on redemption method; advertised maximum is ₹0.40 per point.
- 1% foreign-currency markup plus applicable taxes.
- Metal card joining fee is paid before dispatch; add-on cards have separate fees.