Ashva Credit Card: rewards, caps and exclusions
The Ashva Credit Card pays about 6.67% on Hotel bookings via idfc first mobile app, on the first ₹56,200 of spend a month, and 0.83% on everything else. Below is every rate, cap and exclusion in IDFC FIRST Bank's published terms, as we last checked them on 21 August 2026.
What it earns
≈ marks a rate paid in points, converted at ₹0.25 a point: the lowest redemption value IDFC FIRST Bank documents. Some redemptions are worth more; we price at the floor, because that is what the points are worth whichever way you spend them.
What earns nothing
Spend in these categories earns no rewards on this card, however it is paid for:
- Fuel
- EMI conversions
- Cash withdrawals and fees
Milestones
In IDFC FIRST Bank's own words:
- Annual Fee Payment Benefit: spend minimum ₹8 Lakhs in the previous card anniversary year and get 7,500 Reward Points (worth up to ₹3000) → 7,500 RP
Fees
- Annual fee: ₹2,999, plus 18% GST
- Joining fee: ₹2,999
- Foreign-currency markup: 1%
Welcome benefit: 2,500 RP on receipt of the joining fee + 2,500 RP on ₹20,000 spend in the 2nd statement cycle + 2,500 RP on ₹20,000 spend in the 3rd statement cycle on paying the joining fee and spending ₹20,000 within 90 days.
Where this comes from
Transcribed from IDFC FIRST Bank's own documents and checked against them on 21 August 2026:
Banks change these terms, sometimes with a month's notice. If a figure here disagrees with IDFC FIRST Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.
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