{
  "id": "idfc-ashva",
  "locale": "en",
  "name": "IDFC FIRST Ashva Metal Credit Card",
  "bank": "IDFC FIRST Bank",
  "cardType": "premium",
  "cardTier": "premium",
  "annualFee": "₹2,999 + GST",
  "loungeAccess": "8 Domestic & 8 International Airport Lounge visits per year",
  "rewardsRate": "10X Rewards (2.5%) above ₹20k monthly spend · 0% Zero Forex Markup · Never Expiring Points",
  "bestFor": "Frequent travelers, zero-forex international shopping, airport lounges, and metal card enthusiasts",
  "officialLink": "https://www.idfcfirst.bank.in/credit-card/metal-credit-card/ashva",
  "aiVerdict": {
    "score": 3.1,
    "summary": "Its modest reward rate offset limited lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "High annual fee (₹2999) erodes net rewards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.5,
  "affiliateId": "idfc-ashva",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "https://www.idfcfirst.bank.in/credit-card/metal-credit-card/ashva",
    "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/MITC-Document-Customer.pdf",
    "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/Credit-Card-Communication1-Sep-26.pdf"
  ],
  "feeWaiver": "No spend-based waiver (offset by 0% zero forex rate, international rewards & 16 lounge visits)",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Forex Markup",
      "value": "0% (Zero Forex Markup)"
    },
    {
      "key": "Accelerated Spends",
      "value": "10X Points (2.5%) above ₹20k/mo"
    },
    {
      "key": "Lounge Access",
      "value": "8 Dom + 8 Intl / year"
    },
    {
      "key": "Golf Privileges",
      "value": "Complimentary Golf Rounds & Lessons"
    },
    {
      "key": "Points Expiry",
      "value": "Never Expire"
    },
    {
      "key": "Annual Fee",
      "value": "₹2,999 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "Monthly Spends Above ₹20,000 (10X Rewards)",
      "rate": "2.5% (10X Points)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "10,000 Points (₹2,500 value)"
    },
    {
      "category": "Base Spends Up To ₹20,000 / month",
      "rate": "0.5%–0.75% (3 Points / ₹150)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 Points (₹500 value)"
    },
    {
      "category": "Fuel & Cash Advances",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Spends Above ₹20,000 / month",
      "multiplier": "3.33×",
      "rate": "2.5% (10X)",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "10X points on all incremental retail spending."
    },
    {
      "channel": "Birthday Spends",
      "multiplier": "3.33×",
      "rate": "2.5% (10X)",
      "monthlyCap": "Birthday cycle",
      "dailyCap": "—",
      "note": "10X rewards on all transactions on your birthday."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Flight & Hotel Bookings",
      "value": "1 Point = ₹0.25",
      "minPoints": "1 point",
      "ceiling": "No ceiling",
      "fee": "₹99 + GST",
      "isBest": true
    },
    {
      "route": "Brand Gift Vouchers (Amazon / Flipkart)",
      "value": "1 Point = ₹0.25",
      "minPoints": "1 point",
      "ceiling": "No ceiling",
      "fee": "₹99 + GST",
      "isBest": true
    }
  ],
  "exclusions": [
    "Fuel purchases (covered by 1% fuel surcharge waiver on ₹200 to ₹5,000).",
    "Wallet loading and cash advances."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹2,999 + GST"
    },
    {
      "item": "Annual / Renewal Fee",
      "value": "₹2,999 + GST"
    },
    {
      "item": "Foreign Currency Markup",
      "value": "0% (Zero Forex Markup on all international transactions)"
    },
    {
      "item": "Finance Charges (Monthly)",
      "value": "0.75% to 2.99% per month (9% to 35.88% APR)"
    },
    {
      "item": "Add-On Card Fee",
      "value": "Nil"
    },
    {
      "item": "Card Replacement Fee",
      "value": "₹100 + GST"
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Minimum Age",
      "requirement": "21 to 65 years"
    },
    {
      "criteria": "Minimum Income",
      "requirement": "₹8,00,000 per annum (Salaried or Self-Employed)"
    },
    {
      "criteria": "Residency",
      "requirement": "Resident Indian citizen"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}