Idfc First Ashva Credit Card vs Idfc First Classic Credit Card: Which is Better in 2026?
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The Idfc First Classic Credit Card offers a range of rewards and benefits, while the Idfc First Ashva Credit Card lacks significant features. For those seeking rewards and benefits, the Classic card is a more advantageous choice.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Idfc First Ashva Credit Card | Idfc First Classic Credit Card |
|---|---|---|
| Bank | IDFC First Bank | IDFC First Bank |
| Network | Visa | Visa |
| Joining fee | — | No Joining Fees |
| Annual / renewal fee | — | No Annual Fee |
| Annual fee waiver | — | — |
| Reward rate (headline) | — | 10X Reward Points on Crossing Spends of Rs.20000 |
| Lounge — domestic | — | 4 Complimentary Railway Lounge Visits Per Quarter |
| Lounge — international | — | — |
| Fuel surcharge waiver | — | — |
| Welcome benefit | — | 5% Cashback on EMI |
| Milestone benefit | — | — |
| Foreign currency markup | — | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The Idfc First Classic Credit Card provides a structured rewards program, offering 1X to 10X reward points based on spending categories and milestones. In contrast, the Idfc First Ashva Credit Card does not offer any rewards or cashback options, making it less appealing for those who prioritize earning rewards on their purchases.
Which is better for travel?
For travel benefits, the Idfc First Classic Credit Card includes 4 complimentary railway lounge visits per quarter, which can enhance the travel experience. The Idfc First Ashva Credit Card, however, does not provide any lounge access or travel-related benefits, making it less suitable for frequent travelers.
Which has lower effective cost?
Both cards have no joining or annual fees, making them accessible for users concerned about costs. However, the Idfc First Classic Credit Card has additional fees for add-on cards, while the Idfc First Ashva Credit Card does not specify any fees, which could be beneficial for users looking for a straightforward fee structure.
Who should pick Idfc First Ashva Credit Card?
Consider Idfc First Ashva Credit Card if you prefer a card with no fees and do not require any rewards or travel benefits. This card may suit those who want a basic credit card without the complexities of rewards programs.
Who should pick Idfc First Classic Credit Card?
Consider Idfc First Classic Credit Card if you want to earn rewards on your spending, especially on insurance premiums and utility bills. The additional travel benefits and cashback options make it a better fit for those who travel frequently or want to maximize their spending rewards.
Frequently Asked Questions
No, the Idfc First Ashva Credit Card does not offer any rewards or cashback.
The Idfc First Classic Credit Card offers 4 complimentary railway lounge visits per quarter.
There are no joining or annual fees for the Idfc First Classic Credit Card, but there is a fee for add-on cards.
Yes, the Idfc First Classic Credit Card offers a welcome gift voucher of Rs.500 on spending Rs.5000.