Idfc First Ashva Credit Card vs Idfc First Select Visa Credit Card: Which is Better in 2026?
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The Idfc First Ashva Credit Card offers minimal benefits with no fees or rewards, while the Idfc First Select Visa Credit Card provides various rewards and a welcome gift. This comparison highlights their differences in features and usability for potential cardholders.
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 Select Visa 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 | — | 2 Complimentary Airport Lounge Access Per Quarter |
| Lounge — international | — | — |
| Fuel surcharge waiver | — | — |
| Welcome benefit | — | Welcome Gift Voucher Rs.500 on Spending Rs.5000 |
| Milestone benefit | — | — |
| Foreign currency markup | — | 1.99% - Foreign Currency Transactions |
Which is better for rewards?
The Idfc First Select Visa Credit Card is clearly superior for rewards, offering multiple avenues to earn points, including 10X points on specific spending categories. In contrast, the Idfc First Ashva Credit Card does not provide any rewards, making it unsuitable for those looking to maximize their benefits through spending. The Select card also includes a welcome voucher, adding further value for new users.
Which is better for travel?
For travel benefits, the Idfc First Select Visa Credit Card stands out with its provision of complimentary airport lounge access, which can enhance the travel experience for frequent flyers. The Idfc First Ashva Credit Card lacks any travel-related perks, making it less appealing for those who travel regularly. Overall, the Select card offers more practical benefits for travelers.
Which has lower effective cost?
Both cards have no joining or annual fees, making them accessible options for users concerned about costs. However, the Idfc First Select Visa Credit Card has a forex markup of 1.99%, which is a consideration for international transactions. The Idfc First Ashva Credit Card does not specify any fees, but the absence of benefits may limit its overall value.
Who should pick Idfc First Ashva Credit Card?
Consider Idfc First Ashva Credit Card if you prefer a no-fee card without the need for rewards or travel benefits. This card may suit those who want a straightforward credit card experience without the complexities of rewards programs.
Who should pick Idfc First Select Visa Credit Card?
Consider Idfc First Select Visa Credit Card if you are looking for a card that offers substantial rewards and travel benefits. With its various reward points and complimentary lounge access, it is a better fit for individuals who spend frequently and travel often.
Frequently Asked Questions
No, the Idfc First Ashva Credit Card does not offer any rewards.
The Idfc First Select Visa Credit Card provides 2 complimentary airport lounge accesses per quarter.
No, there is no annual fee for the Idfc First Select Visa Credit Card.
The forex markup for the Idfc First Select Visa Credit Card is 1.99%.