Corroborated — 5 field(s) match across 3+ reference sources (auto). Not human-verified. Confirm with the bank before high-stakes decisions.

#100 of 173 in credit

IDFC First Bank

IDFC First Ashva Metal Credit Card

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Unverified draft. Details auto-drafted; run admin cross-check to verify.

Score breakdown

Data completeness: 85% · Last verified: 06 Jul 2026

Reward value17/100 · weight 65%

≈ 0.75% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +10.0% score bonus — earns broadly without narrow category restrictions.

Fee efficiency58/100 · weight 11%

Redemption flexibility59/100 · weight 8%

Perks70/100 · weight 8%

Devaluation risk70/100 · weight 8%

All fees shown base + 18% GST (India card fees legally attract GST).

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Category	Type	Rate	Cap	Notes
online_spends	points	0.75%(3 pts @ ₹0.25)	—	—
dining	points	0.75%(3 pts @ ₹0.25)	—	—
travel	points	0.75%(3 pts @ ₹0.25)	—	—
groceries	points	0.75%(3 pts @ ₹0.25)	—	—
all_spends	points	0.75%(3 pts @ ₹0.25)	—	—
fuel	points	0.25%(1 pts @ ₹0.25)	—	—

1 reward point is worth different amounts depending on how you redeem — the headline reward % only holds at the best tier.

general	1 RP = ₹0.40
general (vouchers, flights, hotels, shopping)	1 RP = ₹0.25

7,500 Reward Points worth up to ₹3,000 upon Joining Fee payment

Lifetime-free card with no joining or annual charges.
Very low foreign currency markup fee of 1.5%.
Interest-free cash withdrawals for up to 45 days (only a flat transaction fee applies).
Comprehensive travel insurance and trip cancellation cover.
Premium lifestyle benefits like golf and BOGO movies.