Side-by-side · honest numbers
American Express Gold Card vs HDFC Millennia Credit Card vs IDFC Ashva Gold (FD)
Honest side-by-side comparison of American Express Gold Card, HDFC Millennia Credit Card, IDFC Ashva Gold (FD) — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, HDFC Millennia Credit Card ranks first for estimated net annual value — ahead of IDFC Ashva Gold (FD) by about ₹7,230/yr.
| Feature | American Express Gold Card American Express | HDFC Millennia Credit Card HDFC Bank | IDFC Ashva Gold (FD) IDFC FIRST Bank |
|---|---|---|---|
| Annual fee | ₹4,500 | ₹1,000 | ₹0 |
| Min income (monthly) | ₹60,000 | ₹35,000 | Not stated |
| Top reward rate | 4X Membership Rewards/₹150 | 5% | 2X reward points |
| Net annual value (moderate spend) | ₹570/yr | ₹8,830/yr | ₹1,600/yr |
| Secured / FD-backed | No | No | Yes |
| Signup bonus | ₹4,000 | ₹1,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC Ashva Gold (FD) has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- HDFC Millennia Credit Card leads with an estimated ₹8,830/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HDFC Millennia Credit Card lists a minimum monthly income of ₹35,000.
- Which cards are secured (FD-backed)?
- IDFC Ashva Gold (FD) is secured — useful for thin credit files without a bureau pull at application.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
Your adjusted comparison
| Feature | American ExpressGold American Express Gold Card •••• •••• •••• 4242 Quick facts American Express Gold Card Top reward4X Membership Rewards/₹150 Annual fee₹4,500 Min income₹60,000/mo Tap to flip back American Express Gold Card American Express | HDFC BankGold HDFC Millennia Credit Card •••• •••• •••• 4242 Quick facts HDFC Millennia Credit Card Top reward5% Annual fee₹1,000 Min income₹35,000/mo Tap to flip back HDFC Millennia Credit Card HDFC Bank | IDFC FIRST BankGold IDFC Ashva Gold (FD) •••• •••• •••• 4242 Quick facts IDFC Ashva Gold (FD) Top reward2X reward points Annual feeLifetime Free Tap to flip back IDFC Ashva Gold (FD) IDFC FIRST Bank |
|---|---|---|---|
| Annual fee | ₹4,500 | ₹1,000 | ₹0 |
| Min income | ₹60,000 | ₹35,000 | Not stated |
| Top reward rate | 4X Membership Rewards/₹150 | 5% | 2X reward points |
| Net value (moderate) | ₹570/yr | ₹8,830/yr | ₹1,600/yr |
| Secured / no bureau | Standard | Standard | FD-backed |
| Signup bonus | ₹4,000 | ₹1,000 | — |
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