Summary
All things considered, the IDFC FIRST Bank Ashva Metal Credit Card is a special and premium credit card with several advantages, free of annual or membership fees. It has a premium and high-status look, unlike ordinary credit cards, since its metal design is elegant. It is especially meant for those who wish to save money while having access to premium services.
Furthermore, the card provides a lifetime free membership, which makes it a wise decision for people who do not wish to pay additional for luxury features. Apart from that, it offers reward points for every purchase; additional points for eating, travel, and foreign transactions, as well as for gasoline. These points never expire, hence you may use them whenever you choose.
Especially useful during an emergency is the interest-free cash withdrawal available for up to 48 days. Travelers and lifestyle aficionados would also find the card a wonderful choice since it provides free roadside assistance, complimentary access to airport lounges, and golf privileges.
Introduction
Credit cards have become somewhat significant in our daily lives in the fast-paced environment of today. Having the correct credit card will simplify and reward your shopping, travel, dining out, and paying process. That is where the IDFC FIRST Bank Ashva Metal Credit Card finds application. It is a premium option meant especially for those who want more from their expenditure, not just another credit card. This card presents the ideal mix of luxury, power, and value with a fashionable metal body and exclusive bonuses.
First of all, the Ashva Metal Credit Card is India’s first metal credit card meant for high-spending people and aficionados of equestrian sports. When you carry it, it not only looks elegant but also lends status. Still, its worth goes beyond just looks. It provides a lot of advantages going beyond simple reward points or cash back. From low loan rates to airport lounge access, from golf privileges to free roadside assistance, the card includes all you require in your way of life.
One of the main draws of this card is also a lifetime free membership. IDFC FIRST Bank’s Ashva Metal Credit Card offers premium benefits without any joining or yearly charges, unlike many other premium credit cards that demand exorbitant annual fees. For those seeking value without shelling out extra for luxury, this makes it appealing.
Apart from that, the card provides quick reward points in particular areas such as dining, gasoline, and foreign travel. These points are not expiring, thus you can save them for great benefits down the road. Furthermore, unique in the Indian credit card market, the card offers interest-free cash withdrawal for up to 48 days. This makes it rather helpful in case of an emergency when you need rapid money, free from additional fees.
What is the IDFC First Bank Ashva Metal Credit Card?
Designed especially for those seeking elegance, value, and unique benefits in one location, the premium and fashionable IDFC FIRST Bank Ashva Metal Credit Card is made of metal; this one feels different and elegant than standard plastic credit cards. More importantly, it distinguishes India among other cards available in the market since it is the first metal credit card motivated by equestrian activities.
Furthermore, loaded on this card are upscale extras such as access to airport lounges, golf privileges, free roadside assistance, and much more. It also provides useful advantages concurrently, like cheap interest rates, lifelong free membership, and interest-free cash withdrawals. This qualifies not just for savvy spenders who wish to save money while enjoying first-rate services but also for luxury seekers.
How is the design of the IDFC First Bank Ashva Metal Credit Card?
Unlike most credit cards, the IDFC FIRST Bank Ashva Metal Credit Card has a truly remarkable design. Given that this card is metal, first of all, handling it seems premium and strong. Unlike light and basic plastic cards, this metal card feels rich in your palm, attractive, and strong.
Besides, the card has a matte texture and a sleek, sophisticated appearance. Professionals, travelers, and everyone else who appreciates good style will find the simple yet modern design appropriate. The card looks professional with the IDFC FIRST Bank emblem on the front side and an embossed name “Ashva”.
What are the benefits of the IDFC First Bank Ashva Metal Credit Card?
The following are some of the main benefits:
Free Membership Lifetime
The Ashva Metal Credit Card does not have joining or yearly fees for life, unlike many premium cards that charge exorbitant annual fees. This allows you to enjoy premium features free from any cost concern.
Design Using Metal Cards
The card itself feels opulent and lasts as it is composed of metal. Reflecting a feeling of class and fashion, it looks sophisticated and costly.
Point Rewards for Every Purchase
All of your transactions result in reward points; accelerated points in areas including petrol, eating, and overseas spending. These points never expire, hence you may use them anywhere.
Access to Airport Lounges
Cardholders have free access to both domestic and international airport lounges, therefore facilitating more leisureful and comfortable travel.
Cash Withdrawal Interest-Free
Highly rare and highly helpful in an emergency, you can withdraw cash up to a particular level with up to 48 days of interest-free duration.
Golf Rights
Perfect for golfers, the card provides exclusive golf perks and access to a small number of chosen courses.
Complementary Roadside Assistance
Should your car break down, you are free to use roadside assistance services, therefore adding even more convenience and safety throughout your travels.
Waiver of Surcharge on Fuel
Every fill-up helps you save money by the card offering a fuel surcharge waiver on diesel and petrol transactions.
What are the fees for the IDFC First Bank Ashva Metal Credit Card?
Here is a simple breakdown of the IIDFC First Bank Ashva Metal Credit Card fees.
| Joining Fee | ₹2,999 + GST |
| Annual Fee | ₹2,999 + GST |
| Add-on Card Fee | No additional charges for family members’ cards. |
| Finance Charges | If you don’t pay your bill in full, a charge of 3.85% per month (46.2% annually) is applied to the outstanding balance. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting an IDFC First Bank Ashva Metal Credit Card?
1. Age Requirement:
- You should be between 18 and 65 years of age.
2. Income Requirement:
- Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.
- Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.
3. Employment Status:
- You should have a regular job or business with a fixed income source.
4. Credit Score:
- A CIBIL score of 700 and above is preferred for sanction.
5. Residency:
- You should be an Indian resident and have proof of a valid address.
What documents are required to get an IDFC First Bank Ashva Metal Credit Card?
The documents that you will have to submit to get the IIDFC First Bank Ashva Metal Credit Card are as follows:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address |
| Income Proof | Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the IDFC First Bank Ashva Metal Credit Card be used?
Here is the list of places where you can use it:
- With the IIDFC First Bank Ashva Metal Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your IIDFC First Bank Ashva Metal Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).
- The IIDFC First Bank Ashva Metal Credit Card is also accepted in other countries, allowing you to make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the IDFC First Bank Ashva Metal Credit Card?
The credit amount you can spend is what you are provided to you with an IIDFC First Bank Ashva Metal Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.
How do you apply for an IDFC First Bank Ashva Metal Credit Card?
Apply it through both these modes:
Online Application Process:
- Visit the official website of the IDFC First Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by IDFC First Bank; for instance, you can choose the IDFC First Bank Ashva Metal Credit Card.
- Just hover your cursor on the IIDFC First Bank Ashva Metal Credit Card and select ‘Apply Now‘ from there.
- You will be asked to fill out your details, including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after you submit it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process:
- You can walk into the nearest IDFC First Bank branch to apply for the IDFC First Bank Ashva Metal Credit Card.
- Request the credit card application form for the IIDFC First Bank Ashva Metal Credit Card. They will provide you with the form and proceed accordingly.
- Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the IIDFC First Bank Ashva Metal Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions in the envelope through the IDFC First Bank Card website, mobile app, or customer service.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting an IDFC First Bank Ashva Metal Credit Card in 2025 be right?
Getting an IIDFC First Bank Ashva Metal Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with purchasing items such as jewelry. The bank also provides discounts and easy access to the EMI facility.
IDFC First Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
Ultimately, the IDFC FIRST Bank Ashva Metal Credit Card is the ideal fusion of sensible financial advantages, elegance, and way of life. It is especially meant for those who search for long-term value and savings in addition to wanting first-rate services. This card is quite an affordable choice since it provides a lifetime free membership instead of many other credit cards that charge exorbitant yearly fees for premium benefits.
Furthermore, the metal work on the card lends a bit of beauty and refinement. It leaves a fantastic impression everywhere you use it and shows out in your wallet. The card offers a variety of perks, such as reward points on all purchases, free golf rounds, roadside assistance, and gratis access to airport lounges, all of which help to make your way of life more pleasant and fulfilling than it could be otherwise. It is not only about appearances.
Apart from that, the card grants interesting food and entertainment discounts, fuel price exemptions, and interest-free cash withdrawals for up to 48 days. These advantages enable you to enjoy the pleasures of life while saving more. Furthermore, the reward points never expire; therefore, you can gather and apply them at your will, free from any pressure.
Frequently Asked Questions (FAQ’s)
Ans: The card features an annual cost of ₹ 2,999 + GST and a joining charge of ₹2,999 + GST. Unless the bank makes a specific waiver offer, this fee is paid annually.
Ans: Indeed, BookMyShow grants a Buy- One- Get- One Free movie ticket. Two times a month, the maximum discount is ₹500 per ticket.
Ans: Indeed, 0% currency markup on foreign expenditure is one of the better aspects. This implies that using the card overseas won’t cost extra fees.
Ans: Indeed, you can withdraw money from ATMs; the interest-free period is 45 days, which is rare with credit cards.
Ans: An online application is possible by visiting the IDFC First Bank website or by visiting the closest branch. You will require income evidence, address evidence, and identification confirmation.
