By amit-admin 
Limited Time Bonus Reward Points (Till 31st January 2025)
Apply and get approved for the Ashva Credit Card before 31st January 2025 to earn a bonus of 2,500 Reward Points. These Reward Points will be worth ₹625 and credited before 31st March 2025.
Welcome Offer
Spending ₹500 or more on any four transactions within the first 60 days of card issuance would yield a cashback of ₹500 on each transaction, for a total cashback of ₹2,000.
Reward Points
- 10X Reward Points/₹150 on incremental spends above ₹20,000 in a monthly statement cycle.
- 5X/₹150 Reward Points on spends up to ₹20,000 in a monthly statement cycle.
- With the Ashva Card, you can earn rewards even in restricted categories. Cardholders are eligible to earn 3X/₹150 Reward Points on rent, government, wallet load, and education and 1X/₹150 Reward Points on insurance and utilities.
- The Reward Points earned with the Ashva Credit Card do not expire.
Value of One Reward Point = ₹0.25
Which categories are exempt from reward point earning?
- Fuel
- Transactions Converted into EMI
- Fee or Charges
- Loan on Card
- Balance Transfer
- Cash Withdrawal Transactions
“Buy One Get One” Free on Movies
Cardholders can get a “Buy One Get One” free offer on the second movie ticket they book on BookMyShow. The maximum discount for each movie ticket is ₹400, and this offer can be availed twice each month. This benefit could help save up to ₹800 per month and ₹9600 per year.
Complimentary Airport Lounge/Spa Access
Airport lounge access is a must for travelers, especially those who travel quite frequently and even globally. With the Ashva Credit Card, primary and add-on cardholders can get complimentary airport lounge access across the country and even at international airports. This benefit can be availed by spending ₹20,000 each month. Spends made in the previous month would make the cardholder eligible for lounge access in the next month.
Domestic Lounge Access
Get upto four complimentary visits each quarter at select lounges and spas across Indian Airports.
International Lounge Access
Two complimentary visits each quarter to lounges at select international airports. You would need to display your DreamFolks Card, which is offered along with the Ashva Credit Card. A boarding pass would also be required to access international airport lounges.
Free Railway Lounge Access
Both primary and add-on cardholders will get four free railway lounge visits across participating IRCTC railway lounges in India. An authorization fee of ₹2 will be charged to check the card’s validity at the railway lounge. Once the cardholder successfully swipes the Ashva Card for railway lounge access, they will have to wait 24 hours to re-access the lounge.
Which railway lounges are eligible for free access with the Ashva Credit Card in India?
- Chennai Central Railway Station – Executive Lounge
- Old Delhi Railway Station – Irctc Lounge
- Jaipur Railway Station – Irctc Executive Lounge
- Sealdah Railway Station – Irctc Executive Lounge
- Madurai Railway Station – Irctc Executive Lounge
- New Delhi Railway Station – Irctc Executive Lounge
- Varanasi Cantt Railway Station – Irctc Executive Lounge
What facilities are available at railway lounges in India?
- Upto two hours of comfortable lounge stay.
- One buffet meal (breakfast, lunch, or dinner as per the time of visit). Only one buffet meal per visit will be provided to eligible cardholders.
- Enjoy unlimited tea and coffee.
- Access to newspapers, magazines, and free Wi-Fi.
Golf Privileges
The IDFC Ashva Credit Card offers two complimentary golf lessons or rounds each month. This spend-based benefit can be unlocked by spending ₹20,000 or more in a statement cycle. Spend ₹40,000 in a statement cycle to fully unlock two golf lessons or golf rounds across courses in India. This benefit is only available for the primary Ashva Credit Cardholders.
Free Trip Cancellation Protection
With a Cancel for Any Reason cover, you can cancel flight and hotel bookings made with the Ashva Credit Card and receive a reimbursement of up to ₹25,000 twice a year for the non-refundable portion of the booking. The Trip Cancellation Cover is a travel insurance that offers increased flexibility to travel plans. Easily cancel your bookings without losing money. The coverage will include any trip cancellation for a reason not otherwise covered in the booking or any other policy. To be covered under the Cancel For Any Reason benefit, the cardholder must cancel the booking at least 24 hours before the scheduled travel date.
Insurance Benefits
Apart from the insurances mentioned below, complimentary Roadside Assistance (RSA) is also offered with the Ashva Credit Card all over India, up to four times a year. This can be very useful if one gets into car trouble. The RSA is worth ₹1,399.
| Card Liability Cover | ₹50,000 |
| Personal Accident | ₹10 Lakh |
| Credit Shield | ₹50,000 |
| Purchase Protection | ₹50,000 |
| Personal Air Accident | ₹10 Lakh |
Annual Milestone Benefit
Cardholders who spend ₹8 lakh in a card anniversary year are eligible for a bonus of 7,500 Reward Points, valued at ₹1,875. This does not seem like much of a benefit as spending as high as ₹8 lakh in a year can be better rewarded with other cards. For example, by spending ₹4 lakh in a year with the American Express Platinum Travel Credit Card, one can earn more than ₹20,000 in benefits.
Visa Infinite Benefits
The Ashva Metal Credit Card is available on Visa Infinite, which brings even more benefits to the table. Some of the privileges associated with Visa Infinite are given below.
- Airport meet and greet discounts across 450 worldwide destinations.
- Personalized concierge for dining reservations, vacation bookings, flights, and more.
- Huge discounts on limousine airport transfers at global destinations.
- Premium and luxurious benefits at more than 900 hotels worldwide. Take advantage of automatic room upgrades upon arrival, complimentary in-room Wi-Fi, complimentary continental breakfast, VIP Guest status, 3 PM check-out upon request, and more.
Ashva Credit Card Review
The Ashva Credit Card has a joining and annual cost of ₹2,999 and offers ₹2,000 cash back as a welcome benefit. It is a metal credit card available on the Visa Network. Those with an annual income of ₹12 lakh or more can easily apply for this rewarding and unique card. From lounges to golf, this card has it all. One of its most important and attractive benefits is the free movie tickets on BookMyShow. For those who make foreign spends, this card offers a lower Forex charge of 1%.
Although there are many privileges associated with this card, it’s best to mention that many of them are spend-based. Whether it’s the 10X Reward Points, golf, or airport lounge access, all can be accessed by making a spend of ₹20,000. Those who spend a lot should definitely opt for this card. Many will be captured by its beautiful design and might apply for it just to have it in their wallets. Those who have fluctuating spending and might not be sure that they can match the ₹20,000 threshold should apply for other mid-segment credit cards.
Finally, we can say that this credit card exemplifies Indian traditions in its features and looks and offers a captivating experience. Even if all its rewards and features are set aside, being a Visa Infinite card makes it appealing.
Share your views or queries in the comment section.