IDFC FIRST Bank

Our conviction

Financial sponsors require banking partners with balance sheet strength, risk frameworks and institutional maturity to support portfolio companies across cycles.

Conventional and Structured debt

Aligned to evolving business models

Strong capitalization and external ratings

that deliver confidence through cycles

Universal banking capabilities with ESG aligned practices

enabling future ready growth

For Financial Sponsors

For PortCo

Financial Enablers

First X.CEL

Corporate Lending

Treasury & FX

Cash Management Services

Supply Chain Finance

Ecosystem Enablers

FIRSTWINGS Connect

FIRST Symphony

LTU & Catalyst for Impact

Media Visibility

Event Visibility

Startup Lounge

For Fund Managers

Financial Enablers

Fund accounts

Treasury & liquidity

Forex and trade services

GIFT City

NRE/NRO services

Bespoke Investment advisory

Ecosystem Enablers

Deal flow access

Curated banking solutions for portfolio companies

Co-hosted ecosystem events

Access to IDFC Startup base

Basis custom criteria

Access to potential investors (LPs) via Private

For Investment Firm

Financial Enablers

Wealth Management

Relationship-Based Lending

Private Banking

Ecosystem Enablers

Access to UHNIs and HNIs

FIRSTALK

Amplification of Personal Brand

For PortCo

Financial Enablers

First X.CEL

Corporate Lending

Treasury & FX

Cash Management Services

Supply Chain Finance

Ecosystem Enablers

FIRSTWINGS Connect

FIRST Symphony

LTU & Catalyst for Impact

Media Visibility

Event Visibility

Startup Lounge

For Fund Managers

Financial Enablers

Fund accounts

Treasury & liquidity

Forex and trade services

GIFT City

NRE/NRO services

Bespoke Investment advisory

Ecosystem Enablers

Deal flow access

Curated banking solutions for portfolio companies

Co-hosted ecosystem events

Access to IDFC Startup base

Basis custom criteria

Access to potential investors (LPs) via Private

For Investment Firm

Financial Enablers

Wealth Management

Relationship-Based Lending

Private Banking

Ecosystem Enablers

Access to UHNIs and HNIs

FIRSTALK

Amplification of Personal Brand

Frequently Asked Questions

How can I book NRE Fixed Deposit?

NRE Fixed Deposits can be opened online using net banking, mobile banking application or by sending an email from the registered email ID to your Relationship Manager. On your visit to India, you may also walk in to the nearest branch for booking an NRE Fixed Deposit.

In which currency is my NRE Fixed Deposit maintained?

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.

What should be the minimum tenure to earn interest on NRE Fixed Deposits?

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.

What is the maximum tenure of NRE Fixed Deposits?

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.

What is the interest rate on a NRE Fixed Deposit?

Yes. You will earn:

10 reward points for incremental spends above ₹20,000 in a statement cycle and on your birthday.
5 reward points on spends up to ₹20,000 in a statement cycle.
3 reward points on Education, Wallet Load, Government, Rent and Property Management/Purchase transactions. 1 reward point on utilities and insurance transactions. Spends in these categories will not be considered for the 10X monthly milestone.
Reward points will not be given on spends converted to EMI, Cash Withdrawal, Fuel, Fee and Charges.
1 reward point is given for every ₹150 spent in a transaction. Value of 1 reward point is ₹0.25.

Why should you apply for a Credit Card at IDFC FIRST Bank?

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.

What is a Credit Card limit?

The Ashva Credit Card provides the benefit of never-expiring reward points. The reward points remain valid till the credit card remains active.

What should I do when my Credit Card is lost?

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

What are the things you must know before applying for a credit card?

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.

What are the dos and don’ts while using a credit card?

Yes, Ashva Credit Card offers:

4 complimentary visits per quarter to lounges and spas at airport terminals in India.
2 complimentary visits per quarter to lounges at foreign airports

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.

I already have a credit card. Can I apply for another one?

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.

Can I avail of golf benefits on the Ashva Credit Card?

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.

Can I use my credit card to withdraw cash at an ATM?

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.

Will I be asked for my Credit Card PIN at every POS terminal, be it domestic or international?

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.

What is the annual milestone on the credit card?

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.

When will the reward points be credited?

The reward points will get credited upon statement generation.

What is the movie offer on the Ashva Credit Card?

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.

What is the annual milestone on the credit card?

When will the reward points be credited?

The reward points will get credited upon statement generation.

What is the movie offer on the Ashva Credit Card?

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.

What is the annual milestone on the credit card?

When will the reward points be credited?

The reward points will get credited upon statement generation.

What is the movie offer on the Ashva Credit Card?

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.

What is the annual milestone on the credit card?

When will the reward points be credited?

The reward points will get credited upon statement generation.

What is the movie offer on the Ashva Credit Card?

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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