IDFC FIRST Bank · Premium
IDFC FIRST Ashva
Where it ranks across all 187 cards
#15 Other
2.6%
direct
#21 Dining out
2.6%
direct
#22 Electronics
2.6%
direct
#24 Groceries
2.6%
direct
#26 Flights
2.6%
direct
#26 Hotels
2.6%
direct
portal reaches 10.6%
#29 Online shopping
2.6%
direct
#30 Fashion
2.6%
direct
#31 Food delivery
2.6%
direct
#24 Jewellery & watches
1.3%
direct
#25 Mobile / broadband
1.3%
direct
#26 Gaming
1.3%
direct
#38 Health & pharmacy
1.3%
direct
#54 Movies & events
1.3%
direct
#34 Wallet load
0.8%
direct
#48 Education
0.8%
direct
#75 Insurance
0.3%
direct
#89 Utility bills
0.3%
direct
#141 Train tickets
0.3%
direct
#148 Cabs & transit
0.3%
direct
Get an email if this card changes - sign in.
Points valued at ₹0.4/pt - conservative, what rankings use
Reward rules6 direct
Base rate - everything not covered below
1.33%base rate
5 pts / ₹150
source
Source: Ashva card page (idfcfirst.bank.in) - idfcfirst.bank.in - read 21 Aug 2026
1 pt / ₹150 on FASTag, railways, insurance & utilities
0.27%this rule
1 pt / ₹150
source
Source: IDFC Ashva Reward Program T&C (bank PDF) - idfcfirst.bank.in - read 22 Aug 2026
10 pts / ₹150 on incremental spends above ₹20K/cycle
2.67%this rule
10 pts / ₹150
how it works & source
First ₹20K in a statement cycle earns 5 pts/₹150; international spends earn 5 pts/₹150 but count toward the ₹20K milestone.
Source: Ashva Rewards T&C PDF (idfcfirst.bank.in) - idfcfirst.bank.in - read 21 Aug 2026
3 pts / ₹150 on rent, govt, wallet, education
0.80%this rule
3 pts / ₹150
source
Source: Ashva Rewards T&C PDF (idfcfirst.bank.in) - idfcfirst.bank.in - read 21 Aug 2026
1 pt / ₹150 on utilities, insurance, FASTag, railways
0.27%this rule
1 pt / ₹150
source
Source: Ashva Rewards T&C PDF (idfcfirst.bank.in) - idfcfirst.bank.in - read 21 Aug 2026
5 pts/₹150 on international spends (all tiers; never accelerated)
1.33%this rule
5 pts / ₹150
source
Source: IDFC Ashva rewards T&C + page - idfcfirst.bank.in - read 22 Aug 2026
Via portals & vouchersdisplay, never ranks
40 pts / ₹150 on hotels via IDFC app Travel & Shop
via idfc app · 24,000 pts/month
source & note
Bonus pts capped 15,000/calendar month. Flights via app earn 25 pts/₹150 (10 base + 15 bonus).
Source: Ashva Rewards T&C PDF (idfcfirst.bank.in) - idfcfirst.bank.in - read 21 Aug 2026
10.7%
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on2 exclusions
Fuel
earns nothing
Fuel earns nothing (surcharge waiver instead).
→ use IndianOil RBL XTra here (7.5%)
detail & source
categories: Fuel
Source: Ashva card page (idfcfirst.bank.in) - idfcfirst.bank.in - read 21 Aug 2026
EMI
earns nothing
EMI-converted transactions excluded.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: Ashva card page (idfcfirst.bank.in) - idfcfirst.bank.in - read 21 Aug 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.