IDFC FIRST Ashva cashback rate, cap and annual fee
IDFC FIRST Ashva pays 5.83% at Hotels booked in the IDFC FIRST app, and 7 other rates. The card costs INR 2,999 a year.
IDFC FIRST Bank · India · catalogue v101
Read from IDFC FIRST Bank's own published terms on 20 Sep 2026.
INR 2,999Annual fee
5.83%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| Hotels booked in the IDFC FIRST apptravel | 5.83% | —Hotels booked in the IDFC FIRST app, where thirty times is added to the base rate. |
| Flights booked in the IDFC FIRST apptravel | 3.33% | —Flights booked in the IDFC FIRST app, where fifteen times is added. |
| travel | 0.83% | —Travel booked anywhere else earns the base rate. |
| everything else | 0.83% | —Five times the base rate on everything up to ₹20,000 in a statement cycle. Past that IDFC pays ten, which this entry does not hold. |
| International purchaseseverything else | 0.83% | —International spending, at the same five times until 26 October 2026, when IDFC drops it to two. |
| rent and property | 0.50% | —Rent, at three times the base rate. |
| education | 0.50% | —Education, at three times the base rate. |
| government | 0.17% | —Government services earn three times and utilities one, and this app files both in the same place, so it reports the lower. |
Two things on this card contradict IDFC's own site and one of them is dated. Its page body says no foreign markup; its page TITLE says Low Forex, and the range listing says 1% Forex for Ashva beside Zero Forex for every other metal card. A per-card distinction repeated in the navigation beats a marketing block, so 1% is what is recorded, and if that is wrong the card is understated abroad rather than oversold. Separately, IDFC states that from 26 October 2026 international spending drops from five times the base rate to two — a devaluation published in a footnote, on a card sold partly on travel. The structure: five times on spending up to ₹20,000 in a statement cycle and ten times past it, which this app cannot express, so it holds the five. Three times on rent, education, government and wallet loads; one times on insurance, utilities, railways and FASTag. Hotels booked in IDFC's own app add thirty times on top, flights fifteen. A Reward Point is ₹0.25 in cash and ₹0.40 against a hotel or flight booked in that app — this entry uses the ₹0.25, because the higher figure requires both a redemption channel and a trip. These points never expire, unlike the rest of the range, which is why the card names no programme. ₹2,999 to join and ₹2,999 a year. The metal card pages do not repeat the fuel exclusion the rest of the range carries, so fuel here reads at the base rate and may be overstated. Source: idfcfirst.bank.in, checked 20 Sep 2026.
Questions people ask
What cashback does the IDFC FIRST Ashva pay?
5.83% at Hotels booked in the IDFC FIRST app, and 7 other rates.
Is there a cap on the IDFC FIRST Ashva?
No monthly cap is published on the rates shown here.
What is the annual fee on the IDFC FIRST Ashva?
INR 2,999 a year.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. It works offline and never connects to a bank.
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