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IDFC BANK
Zero foreign currency markup, and 16 domestic and 8 international lounge visits a year
One-time
Per year
Uncapped rewards
Score 750+
Applying takes you to IDFC BANK. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
1 reward rate with their caps, taken from IDFC BANK’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 9 Oct 2026.
See where each figure came fromEverything else
No published ceiling on this tier
Data-driven verdict based on net earnings after fees and caps.
Key strength
10% on Everything else — 10X on incremental spends above Rs. 20,000 in a statement cycle and 5X up to that, reaching 40X on accelerated tiers. The redemption value is stated as up to Rs. 0.40 a point., with no stated cap.
Biggest limitation
The redemption value is stated as up to Rs. 0.40 a point rather than as a fixed figure, so the return cannot be calculated exactly.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
10 pts
uncappedEverything else
10X on incremental spends above Rs. 20,000 in a statement cycle and 5X up to that, reaching 40X on accelerated tiers. The redemption value is stated as up to Rs. 0.40 a point.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹3,539 | — |
| Annual / renewal fee | ₹3,539 | — |
| Late payment | 15% | 15% of the total amount due, subject to a minimum of Rs. 100 and a maximum of Rs. 1,300 |
| Foreign currency markup | 0% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹3,539 a year
charged with no published way to avoid it
We do not have fuel surcharge waiver recorded for this card. Check the issuer's page before relying on it.
We do not have upi payments recorded for this card. Check the issuer's page before relying on it.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
We do not have a list of excluded categories recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
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ICICI BankEmirates Skywards ICICI Bank Rubyx Credit Card₹1,180
STATE BANKReliance SBI Card₹589| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| IDFC FIRST Ashva Credit Card · this card | ₹3,539 | 10% everything else | Included |
| IDFC FIRST SWYP Credit Card | ₹589 | Up to 1000 reward points per ₹15,000 | No |
| ICICI Bank Parakram Credit Card | Lifetime free | Up to 1.25% rewards | Included |
| SBI Card Unnati | ₹589 | Up to 1 reward points per ₹100 | No |
| IndianOil RBL Bank Credit Card | ₹590 | Up to 6% rewards | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹3,539 plus GST, with no published spend-based waiver.
The strongest published rate is 10% on everything else, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
Yes. 4 visits every quarter
We do not have UPI details recorded for this card.
We do not have an exclusions list recorded for this card. Check the issuer’s terms.
Redeemed from the IDFC FIRST Bank rewards catalogue at up to Rs. 0.40 a point
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
We do not hold the issuer's own terms, fee-schedule or MITC links for this card yet.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
IDFC FIRST Ashva Credit Card — 10% on everything else. ₹3,539 a year.