IDFC FIRST Ashva vs Kotak Air+

Compare IDFC FIRST Ashva and Kotak Air+ on annual fees, joining fees, rewards, benefits and important limitations.

IDFC FIRST Ashva

IDFC FIRST Bank

Up to 40X points on eligible travel bookings through the bank app

Annual fee: ₹2,999 + GST

Joining fee: ₹2,999 + GST

Network: Visa

IDFC FIRST Ashva is a paid card focused on travel benefits, flights and international spending, charging ₹2,999 annually before GST.

Kotak Mahindra Bank

5 Air Miles per ₹100 on Kotak Unbox flights/hotels; 2 on other eligible domestic purchases

Annual fee: ₹3,000 + GST

Joining fee: ₹3,000 + GST

Network: Issuer-selected variant

Kotak Air+ is a paid card focused on travel benefits, flights and international spending, charging ₹3,000 annually before GST.

A higher-fee option to compare for broader benefits around reward points and international spending.
A lower-fee way to compare similar strengths in reward points and international spending.

Facts were last checked 2026-10-09. Follow each card page to the linked issuer terms before applying.