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IDFC FIRST BANK LTD
IDFC FIRST Ashva Plastic Credit Card
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Verified Catalog
Source: IDFC FIRST BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Non-metal variant of the Ashva card with similar features but standard plastic construction
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Plastic variant of Ashva card
Highlight 2
Same core benefits as metal variant
Highlight 3
Lower joining fees than metal version
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹2,999
The front-loaded charge when you apply.
Annual fee
₹2,999
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: ₹2,999100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
Complimentary lounge network access details available on issuer portal.
Hotel Privileges
"No airport lounge access benefits"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Minimum Income
Subject to review / check apply details
Age Requirements
18–70 Years (Standard)
Required Documents
"Bank account proof"
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Excellent choice for frequent IndiGo flyers who can maximize value through accelerated rewards on flight bookings, complimentary upgrades, and domestic lounge access"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Welcome Offer: 1,000 bonus Reward Points as welcome gift
- Base Rate: 1 Reward Point per ₹100 spent (not applicable on EMI, Fuel, Wallet re-load, rental and government transactions)
- Accelerated Rewards Program: 7% Reward Points on every Shoppers Stop spend & 2% Reward Points on non-Shoppers Stop spends (Maximum capping of ₹2,000 per month)
- Travel (Hotels & Other): No airport lounge access benefits
Cons
- RP to Rupees: 1 Point = ₹0.20
- Movie/Entertainment: BookMyShow offers
- Dining: Basic offers
- Lifestyle and Fashion: Yatra vouchers
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