Select Credit Card
Rs 0Annual fee
4Domestic lounge
Domestic lounge conditions
- 1 complimentary domestic airport lounge visit per quarter, subject to a minimum spend of ₹20,000 in the previous calendar month.
1.99%Forex markup
Best for
Lifetime Free, Lounge, Lifestyle, Rewards, Low Forex
Top rewards
Other Retail Spends Up To ₹20,000: 3 Reward Points per INR 200 spent; Dining, Travel, International, Birthday, And Incremental Spends Above ₹20,000: 10 Reward Points per INR 200 spent; Utility, Insurance, FASTag, And Railway Transactions: 1 Reward Point per INR 200 spent
Ashva Credit Card
Rs 2,999Annual fee
16Domestic lounge
Domestic lounge conditions
- 4 complimentary domestic airport lounge visits per quarter, subject to a minimum spend of ₹20,000 in the previous calendar month.
- 2 complimentary international airport lounge visits per quarter, subject to a minimum spend of ₹20,000 in the previous calendar month.
1%Forex markup
Best for
Metal Card, Lifestyle, Lounge, Golf, Low Forex
Top rewards
Dining, Travel, Online, International, Birthday, And Incremental Spends Above ₹20,000: 10 Reward Points per ₹150 spent; Other Retail Spends Up To ₹20,000: 5 Reward Points per ₹150 spent; Rent, Education, Wallet Load, And Government Spends: 3 Reward Points per ₹150 spent
| Feature | Select Credit Card | Ashva Credit Card |
|---|---|---|
| Issuer | IDFC FIRST Bank | IDFC FIRST Bank |
| Network | Visa, Mastercard | Visa |
| Joining fee | Rs 0 | Rs 2,999 |
| Annual fee | Rs 0 | Rs 2,999 |
| Reward type | Reward Points | Reward Points |
| Best for | Lifetime Free, Lounge, Lifestyle, Rewards, Low Forex | Metal Card, Lifestyle, Lounge, Golf, Low Forex |
| Top reward categories | Other Retail Spends Up To ₹20,000: 3 Reward Points per INR 200 spent; Dining, Travel, International, Birthday, And Incremental Spends Above ₹20,000: 10 Reward Points per INR 200 spent; Utility, Insurance, FASTag, And Railway Transactions: 1 Reward Point per INR 200 spent | Dining, Travel, Online, International, Birthday, And Incremental Spends Above ₹20,000: 10 Reward Points per ₹150 spent; Other Retail Spends Up To ₹20,000: 5 Reward Points per ₹150 spent; Rent, Education, Wallet Load, And Government Spends: 3 Reward Points per ₹150 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 4 | 16 |
| International lounge | 0 | 8 |
| Forex markup | 1.99% | 1% |
| Milestone benefits | Not Listed | Earn 7,500 Reward Points on annual spending of ₹8 Lakh |
| Redemption | Statement credit: upto ₹ 0.25 per point | Statement credit: upto ₹ 0.25 per point |
| Key exclusions | Fuel transactions, EMI transactions, Cash withdrawal / cash advance transactions | Fuel transactions, EMI transactions, Cash withdrawal / cash advance transactions |