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Enjoy Zero Charges on 28 Commonly Used Savings Account Services
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IDFC FIRST Bank Heritage Metal Credit Card
Earn 100% cashback up to ₹400 on the first 5 transactions made within 30 days of card generation.
Get 1000 reward points for making your first credit card bill payment through the IDFC Mobile banking app.
Enjoy 5% cashback up to ₹1,000 on converting your first transaction into EMI within 30 days of card generation.
Enjoy 5% cashback up to ₹1,000 on converting your first transaction into EMI within 30 days of card generation.
Forex mark-up of just 1% compared to 3.5% on other bank Credit Cards
SAVE UP TO
Forex Charges
Forex Charges
Forex charges on every ₹2,00,000 spent internationally
on incremental spends above ₹20,000 in a statement cycle and on your birthday
till ₹20,000 is spent in a statement cycle
Get an option to make online/offline payments using your rewards points
Download the IDFC FIRST mobile banking app and get amazing rewards
Joining and Annual fee (2nd year onwards) of just
₹199 + GST
Limited period offer: 100% cashback up to ₹200
i.e. ₹50 each on the first 4 UPI transactions
Earn up to 3X reward points on your spends
Deep dive into everything finance
Discover the advantages of linking your credit card to UPI and how to get started. Discover the advantages of linking your credit card to UPI and how to get started. Discover the advantages of linking your credit card to UPI and how to get started. Discover the advantages of linking your credit card to UPI and how to get started. Discover the advantages of linking your credit card to UPI and how to get started.
Unforeseen circumstances can dampen your travel plans. Don't let it hurt you financially.
Here's how to catch the latest releases in cinemas at a fraction of the cost with the right credit card.
Discover the advantages of linking your credit card to UPI and how to get started.
Metal Cards testimonials
I have won reward points on one of their programs. I really like it. Each month there are reward points run by the bank. I recommend IDFC credit card to everyone.
Jayesh Panchal (Vapi Gujarat)
Ashva Customer
December 11, 2024
The good thing about the reward points is that you can use it against any spends or for a specific voucher. So overall I am pretty happy.
Lokesh Kamani (Pune)
Ashva Customer
December 11, 2024
While many banks are devaluing reward points, as compared IDFC is improving its rewards program. On top of that they also give reward points for lifetime.
Jasvantsinh Rathod (Gandhinagar)
Ashva Customer
December 11, 2024
I applied online and the card came seamlessly to me. I really like the reward system and the ease of converting the points to a lot of other vouchers.
Litesh Jethani (Mumbai)
Ashva Customer
December 11, 2024
All
Late payment
Reward points
Credit score
Card limit
How to apply
Lost card
International transcations
Yes. The card comes with a joining fee (1st year) of ₹2,500+ GST and an annual fee (2nd year onwards) of ₹2,500 + GST.
The joining fee of ₹2,500 (+GST) will be levied instantly on card generation. You can pay for the fee before or after statement generation.
On payment of joining fee, you will receive cashback of ₹400 for each of any 5 transactions worth ₹400 or more, completed using your credit card within 60 days of card generation. The joining benefit will be credited in the next statement. Cash withdrawal transactions, fees and charges will not be eligible for the joining benefit.
If you are applying for your first IDFC FIRST Bank unsecured credit card, you will get a credit limit as per our internal policies. If you already have an IDFC FIRST Bank unsecured credit card, your new credit card will also have the same credit limit. The credit limit, however, will be shared across all unsecured credit cards.
Yes. You will earn:
Education, Wallet Load, Government, Rent and Property Management/Purchase transactions, Utilities, Insurance, EMI, Cash Withdrawal, Fuel, Fee and Charges. Only those transactions which are settled by the merchant before the statement generation will be considered. If a transaction is settled after the statement is generated, it will not accrue 10X rewards. Rewards for such transactions will be credited after the next statement generation.
The Ashva Credit Card provides the benefit of never-expiring reward points. The reward points remain valid till the credit card remains active.
The Ashva Credit Card comes loaded with benefits like discounts on 300+ brands, movie tickets, complimentary airport lounge access, etc. The full list of benefits is mentioned above. For brand offers, you can visit the offers website
The Ashva Credit Card offers one of the lowest forex markups in the industry at just 1%. Spend seamlessly while travelling abroad as well as on international purchases made from India.
Yes, Ashva Credit Card offers:
The lounge benefit can be availed in the next calendar month on spending ₹20,000 or more in the current calendar month.
Use your credit card to access Indian airport lounges and the Dreamfolks Card to access spas and lounges at Indian and overseas airport terminals.
You can also book airport lounge and spa by clicking here.
You can activate your 1 Lounge/Spa benefit for the next calendar month by spending ₹20,000 or more in the current calendar month.
E.g. Meet spend criteria between 1st to 31st March to activate the benefit in April.
To know how to book an airport lounge online, click here.
Yes. You can avail up to 2 rounds/lessons in a month. Each round/lesson is unlocked for every ₹20,000 spent in the previous statement cycle.
Yes, you can! All ATM cash withdrawals are interest-free for up to 48 days – in India or abroad. Cash withdrawal from ATMs outside India will attract a forex markup fee of 1% (+GST). Please keep in mind, however, that a Cash Advance Fee of ₹199/- + GST is applicable per transaction, irrespective of your location or the withdrawal amount. The maximum cash withdrawal limit per transaction is ₹10,000.
For transactions in India, yes, you will be asked for a PIN for completing the transactions. However, outside India, you will be asked for the PIN only if the POS terminal is enabled for PIN authentication.
On spending ₹8,00,000 or more in a card anniversary year, you will get 7,500 reward points. The reward points will be credited on payment of annual fee for the next year. Transactions on primary, add-on and associated FIRST Digital (UPI) Credit Card will be considered towards the milestone, including EMI transactions. Cash withdrawal, fee charges and EMI amortization will be excluded from the benefit.
The reward points will get credited upon statement generation.
Using the Ashva Credit Card, you get buy-one-get-one movie offer twice a month via Paytm Movies. You can get a discount of up to ₹400 on the second ticket.
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