Key Features & Benefits
- ✦10X Reward Points on monthly spends ≥₹20,000
- ✦5 Reward Points per ₹150 on spends below ₹20,000/month
- ✦1% forex markup (low — not zero like Mayura)
- ✦4 complimentary domestic airport lounge visits per quarter (16/year)
- ✦2 complimentary international airport lounge visits per quarter (8/year)
- ✦4 complimentary railway lounge visits per quarter (spend-gated: ₹20K previous month)
- ✦Buy 1 Get 1 movie ticket twice a month (spend-gated: ₹20K/month)
- ✦2 complimentary golf rounds per month
- ✦Trip cancellation cover up to ₹50,000
- ✦1 RP = ₹0.40 for travel bookings via IDFC FIRST App
- ✦Reward Points never expire
- ✦Metal card — physical premium design
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Welcome & Joining Benefits
- ✦7,500 Reward Points on joining fee payment (for cards from Sep 2025)
Milestone Benefits
- ✦Check IDFC FIRST Bank website for current benefits
Pros & Cons
✓ Advantages
- ✓Entry into IDFC premium metal tier at ₹2,999
- ✓16 domestic lounge visits/year — excellent for a card at this price
- ✓1% forex — among lowest in this fee range
- ✓Golf + movies benefits included
- ✓Rewards never expire
✗ Disadvantages
- ✗No annual fee waiver option
- ✗1% forex — not zero like Mayura
- ✗International lounge only 8/year vs 16/year for Mayura
- ✗10X gated behind ₹20K monthly spend
Frequently Asked Questions
Ashva or Mayura — which should I choose?
Ashva costs ₹2,999 (vs ₹5,999 for Mayura) and gives 8 international lounge visits/year vs 16 for Mayura. Mayura also has zero forex vs 1% on Ashva. If you travel internationally frequently, pay ₹3,000 extra for Mayura — it pays off in forex savings alone.
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