SwipeYield Review
A premium metal card balancing high-status aesthetics with practical 1% forex savings.
PremiumTravelLifestyleMetal
IDFC FIRST Ashva Credit Card
By IDFC FIRST Bank
3.8SwipeYield Rating
Joining Fee₹2,999 + GST
Annual Fee₹2,999 + GST
Fee Waiver:
No annual fee waiver mentioned for the metal variant
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Reward TypeReward Points
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NetworkVisa
Rewards
Base
0.83% (5 points per ₹150 up to ₹20k monthly spend)
Accelerated
1.66% (10 points per ₹150) on monthly spends above ₹20k; 50X bonus points on hotels via app
Lounge Access
4 domestic and 2 international lounge/spa visits per quarter on spending ₹20,000 in the previous month
Pros
- Premium metal build
- Industry-low 1% forex markup
- High reward rate on travel
Cons
- Significant annual fee
- Spend-based travel benefits
- Low redemption value outside travel gallery
Eligibility
- High income (approx ₹1.5L+ monthly)
- Invite-based or premium segment application