IDFC FIRST Ashva Credit Card
IDFC · Premium · Visa
Annual Fee
₹999
Fee Waiver
₹1.5L annual spend
Lounge Access
8/year
Best Rate
1%
Network
Visa
⚠️ Data being verified
Reward Rates by Category
🍽️Dining
1%
✈️Travel
1%
🛒Online Shopping
1%
🥦Groceries
1%
💡Utilities
1%
🎬Entertainment
1%
🛍️Shopping
1%
⛽Fuel
0%
How Points Work
4 pts/₹100 on select categories (~1%), 2 pts other (~0.5%) · Points never expire · Zero forex · 10,000 welcome points
Key Benefits
1% on broad categoriesZero forex8 lounge visits/yr10,000 welcome pointsPoints never expire
PROS
✅ Zero forex markup
✅ Good lounge access (8/yr)
✅ Points never expire
✅ Generous welcome benefit
CONS
⚠️ 1% rate is average for ₹999 fee
⚠️ Better cashback options available
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