IDFC FIRST Ashva Credit Card
5 points/₹150 up to ₹20,000/cycle, 10/₹150 on eligible spend above; ₹0.25/point. The card costs ₹2,999 plus GST each year.
Try your spend →How this estimate works
IDFC FIRST Bank’s Ashva reward terms list 5 points per full ₹150 of eligible spend up to ₹20,000 per statement cycle, then 10 points/₹150 of eligible incremental spend. This calculator assumes one card purchase per month and a full spend cycle at that amount; it cannot know other purchases or the credit limit. It takes the generally usable ₹0.25 per point for vouchers/products or pay-with-points, not the ₹0.40 value restricted to app hotel/flight bookings. ₹99+estimated GST for one annual points redemption is deducted only when accrued value covers it; additional redemptions cost more. The product page and issuer fee schedule list ₹2,999+GST joining and ongoing annual fee, and only the annual fee is deducted from ongoing ROI. No spending waiver or joining benefit is assumed. Fuel and issuer-designated special merchant/payment categories are not scored by this generic chip; rent, utilities, insurance, education, government, wallet, rail and FASTag have lower rates. Transactions under ₹150, EMI, fees and cash do not earn. Reward accrual is limited to credit limit spent per billing cycle and requires minimum amount due paid. Travel booking bonuses, annual benefit points, optional RuPay companion and non-financial perks are excluded.
Issuer terms
Issuer card benefits and voucher point value · Issuer card-specific earn tiers, exclusions and redemption values · Issuer fees, including reward-redemption charge
Terms checked 29 September 2026. The projected rupee value needs an eligible redemption; it is not statement cashback.