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DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Verified — 16/16 categories
IDFC FIRST

Ashva Credit Card

Best forGroceries & Dining
Earns5 RP/₹150 on groceries
1st Year / Joining Fee
₹2,999 + taxes
Renewal Fee
Not recorded
Fee waiver
Not recorded
Network
Not recorded

Why this card may suit you

Based on the card's verified terms.

  • Best suited to spending on groceries and dining, where it earns 5 RP/₹150

How you earn

Reward rates at a glance — exactly as recorded for this card.

Groceries5 RP/₹150
Dining5 RP/₹150
Food Delivery5 RP/₹150
Shopping5 RP/₹150
Travel5 RP/₹150
All 16 reward categories · 16 of 16 categories verified
CategoryRateCapCondition
RentNot a good fit—3 RP / ₹150 (2.0 RP / ₹100, 0.50% standard / 0.80% Travel & Shop) on Rent payments (MCC 6513)
Details
Status
Verified — not a good fit for this category
Source
SRC-IDFC-ASHVA-TERMS
Issuer note
3 RP / ₹150 (2.0 RP / ₹100, 0.50% standard / 0.80% Travel & Shop) on Rent payments (MCC 6513). 1% transaction fee + 18% GST (min ₹249 floor) applies per FR-IDFC-13-RENT. Excluded from 10X threshold calculation. Marked DO_NOT_RECOMMEND due to fee exceeding rewards.
EducationNot a good fit—3 RP / ₹150 (2.0 RP / ₹100, 0.50% standard / 0.80% Travel & Shop) on Education spend
Details
Status
Verified — not a good fit for this category
Source
SRC-IDFC-ASHVA-TERMS
Issuer note
3 RP / ₹150 (2.0 RP / ₹100, 0.50% standard / 0.80% Travel & Shop) on Education spend. Direct school/college website (CH01) incurs ₹0 fee (0.50% net). Third-party apps (CH02) incur 1% fee + 18% GST (min ₹249 floor) per FR-IDFC-13-EDU. Excluded from 10X milestone. Marked DO_NOT_RECOMMEND to prevent penalty loss on third-party channels.
Insurance1 RP/₹150—1 RP / ₹150 (0.667 RP / ₹100, 0.167% standard / 0.267% Travel & Shop) on Insurance payments
Details
Status
Verified
Source
SRC-IDFC-ASHVA-TERMS
Issuer note
1 RP / ₹150 (0.667 RP / ₹100, 0.167% standard / 0.267% Travel & Shop) on Insurance payments. Excluded from 10X incremental threshold.
Utilities1 RP/₹150—1 RP / ₹150 (0.667 RP / ₹100, 0.167% standard / 0.267% Travel & Shop) on Utility bills
Details
Status
Verified
Source
SRC-IDFC-ASHVA-TERMS
Issuer note
1 RP / ₹150 (0.667 RP / ₹100, 0.167% standard / 0.267% Travel & Shop) on Utility bills. 1% fee + 18% GST applies on aggregate monthly utility spend above ₹20,000 per FR-IDFC-13-UTIL. Excluded from 10X incremental threshold.
FuelNo reward——
Details
Status
Verified — no reward
Issuer note
0 RP earned (Fuel excluded from rewards per RR-IDFC-13-FUEL). 1% fuel surcharge waiver for transactions between ₹200 and ₹5,000, capped at ₹400 per statement cycle (FR-IDFC-13-FUEL, CAP-IDFC-13-FUEL-WAIVER). GST is not waived. Excluded from 10X threshold.
Groceries5 RP/₹150—5 RP / ₹150 (3.333 RP / ₹100, 0.833% standard / 1.333% Travel & Shop) up to ₹20,000 monthly spend
Details
Status
Verified
Source
SRC-IDFC-ASHVA-TERMS
Issuer note
5 RP / ₹150 (3.333 RP / ₹100, 0.833% standard / 1.333% Travel & Shop) up to ₹20,000 monthly spend; 10 RP / ₹150 (6.667 RP / ₹100, 1.667% standard / 2.667% Travel & Shop) incremental above ₹20,000 per statement cycle.
Dining5 RP/₹150—5 RP / ₹150 (3.333 RP / ₹100, 0.833% standard / 1.333% Travel & Shop) up to ₹20,000 monthly spend
Details
Status
Verified
Source
SRC-IDFC-ASHVA-TERMS
Issuer note
5 RP / ₹150 (3.333 RP / ₹100, 0.833% standard / 1.333% Travel & Shop) up to ₹20,000 monthly spend; 10 RP / ₹150 (6.667 RP / ₹100, 1.667% standard / 2.667% Travel & Shop) incremental above ₹20,000 per statement cycle.
Food Delivery5 RP/₹150—5 RP / ₹150 (3.333 RP / ₹100, 0.833% standard / 1.333% Travel & Shop) up to ₹20,000 monthly spend
Details
Status
Verified
Source
SRC-IDFC-ASHVA-TERMS
Issuer note
5 RP / ₹150 (3.333 RP / ₹100, 0.833% standard / 1.333% Travel & Shop) up to ₹20,000 monthly spend; 10 RP / ₹150 (6.667 RP / ₹100, 1.667% standard / 2.667% Travel & Shop) incremental above ₹20,000 per statement cycle.
Shopping5 RP/₹150—5 RP / ₹150 (3.333 RP / ₹100, 0.833% standard / 1.333% Travel & Shop) up to ₹20,000 monthly spend
Details
Status
Verified
Source
SRC-IDFC-ASHVA-TERMS
Issuer note
5 RP / ₹150 (3.333 RP / ₹100, 0.833% standard / 1.333% Travel & Shop) up to ₹20,000 monthly spend; 10 RP / ₹150 (6.667 RP / ₹100, 1.667% standard / 2.667% Travel & Shop) incremental above ₹20,000 per statement cycle on online and POS shopping.
Travel5 RP/₹150—5 RP / ₹150 up to ₹20,000 monthly spend
Details
Status
Verified
Source
SRC-IDFC-ASHVA-TERMS
Issuer note
5 RP / ₹150 up to ₹20,000 monthly spend; 10 RP / ₹150 incremental above ₹20,000. Zero forex markup per FR-IDFC-13-FOREX. 4 domestic airport + 2 international airport + 4 railway lounges per quarter (subject to ₹20,000 spend in previous month). Flight/hotel redemption via Travel & Shop at ₹0.40/RP.
Government3 RP/₹150—3 RP / ₹150 (2.0 RP / ₹100, 0.50% standard / 0.80% Travel & Shop) on Government transactions
Details
Status
Verified
Source
SRC-IDFC-ASHVA-TERMS
Issuer note
3 RP / ₹150 (2.0 RP / ₹100, 0.50% standard / 0.80% Travel & Shop) on Government transactions. Excluded from 10X incremental threshold.
Wallet3 RP/₹150—3 RP / ₹150 (2.0 RP / ₹100, 0.50% standard / 0.80% Travel & Shop) on Wallet loads
Details
Status
Verified
Source
SRC-IDFC-ASHVA-TERMS
Issuer note
3 RP / ₹150 (2.0 RP / ₹100, 0.50% standard / 0.80% Travel & Shop) on Wallet loads. Excluded from 10X incremental threshold.
Railways1 RP/₹150—1 RP / ₹150 (0.667 RP / ₹100, 0.167% standard / 0.267% Travel & Shop) on Railway bookings
Details
Status
Verified
Source
SRC-IDFC-ASHVA-TERMS
Issuer note
1 RP / ₹150 (0.667 RP / ₹100, 0.167% standard / 0.267% Travel & Shop) on Railway bookings. 4 complimentary railway lounge visits per quarter (subject to ₹20,000 previous month spend). Excluded from 10X incremental threshold.
FASTag1 RP/₹150—1 RP / ₹150 (0.667 RP / ₹100, 0.167% standard / 0.267% Travel & Shop) on FASTag recharges
Details
Status
Verified
Source
SRC-IDFC-ASHVA-TERMS
Issuer note
1 RP / ₹150 (0.667 RP / ₹100, 0.167% standard / 0.267% Travel & Shop) on FASTag recharges. Excluded from 10X incremental threshold.
Jewellery5 RP/₹150—5 RP / ₹150 (3.333 RP / ₹100, 0.833% standard / 1.333% Travel & Shop) up to ₹20,000 monthly spend
Details
Status
Verified
Source
SRC-IDFC-ASHVA-TERMS
Issuer note
5 RP / ₹150 (3.333 RP / ₹100, 0.833% standard / 1.333% Travel & Shop) up to ₹20,000 monthly spend; 10 RP / ₹150 (6.667 RP / ₹100, 1.667% standard / 2.667% Travel & Shop) incremental above ₹20,000 per statement cycle on Jewellery.
Telecom1 RP/₹150—1 RP / ₹150 (0.667 RP / ₹100, 0.167% standard / 0.267% Travel & Shop) on Telecom spends
Details
Status
Verified
Source
SRC-IDFC-ASHVA-TERMS
Issuer note
1 RP / ₹150 (0.667 RP / ₹100, 0.167% standard / 0.267% Travel & Shop) on Telecom spends. Excluded from 10X incremental threshold.

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
₹2,999 + taxes
Renewal Fee
Not recorded
Fee waiver
Not recorded
Reward caps

No reward cap is recorded in DhanChakshu's verified data. Check the issuer terms for any additional limits.

Key benefits

Rewards
5 RP/₹150 on groceries
Fuel surcharge waiver
1% fuel surcharge waiver for transactions between ₹200 and ₹5,000 subject to ₹400 monthly cap (CAP-IDFC-13-FUEL-WAIVER)
Foreign-currency markup
0% foreign-currency markup — Zero forex markup on all international transactions

Important to know

Limits and exclusions that change what you earn.

  • No reward on: Fuel
  • Not recommended for: Rent, Education

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in groceries, dining, food delivery
△ Less useful if
  • Much of your spending is in rent, education, fuel, which earn nothing
  • You do not want to pay an annual fee
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 0 caps · 3 no-reward categories
Caps

No cap recorded.

Categories with no reward or not eligible
  • Rent — Not a good fit. 3 RP / ₹150 (2.0 RP / ₹100, 0.50% standard / 0.80% Travel & Shop) on Rent payments (MCC 6513).
  • Education — Not a good fit. 3 RP / ₹150 (2.0 RP / ₹100, 0.50% standard / 0.80% Travel & Shop) on Education spend.
  • Fuel — No reward.
Milestones · none recorded

No milestone benefit is recorded for this card.

Eligibility

Subject to IDFC FIRST's underwriting and eligibility criteria. See the issuer's terms for current requirements.

Specifications
  • Payment network: Not recorded
  • Airport lounge: Not recorded by DhanChakshu — check the issuer terms
  • Fuel surcharge waiver: 1% fuel surcharge waiver for transactions between ₹200 and ₹5,000 subject to ₹400 monthly cap (CAP-IDFC-13-FUEL-WAIVER). GST is not waived.
  • Foreign-currency markup: 0% foreign-currency markup — Zero forex markup on all international transactions.
What DhanChakshu couldn't fully verify · 2 areas

2 areas need further verification. None of these are counted as zero.

  • • Lounge benefit — not recorded; check the issuer terms
  • • Payment network — not recorded

Sources & verification

Verification & sources · last checked 2026-09-29

Verification coverage: All 16 categories verified

Card record last checked: 2026-09-29

Documents used
Ashva Credit Card Rewards Structure T&C; 5X/10X framework, reduced categories, route values ₹0.40/₹0.25 · SRC-IDFC-ASHVA-TERMS
Ashva Credit Card₹2,999 1st year