Side-by-side · honest numbers
American Express Gold Card vs ICICI Coral Credit Card vs IDFC Ashva Gold (FD)
Honest side-by-side comparison of American Express Gold Card, ICICI Coral 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, IDFC Ashva Gold (FD) ranks first for estimated net annual value — ahead of American Express Gold Card by about ₹1,030/yr.
| Feature | American Express Gold Card American Express | ICICI Coral Credit Card ICICI Bank | IDFC Ashva Gold (FD) IDFC FIRST Bank |
|---|---|---|---|
| Annual fee | ₹4,500 | ₹500 | ₹0 |
| Min income (monthly) | ₹60,000 | ₹30,000 | Not stated |
| Top reward rate | 4X Membership Rewards/₹150 | 2 RP/₹100 | 2X reward points |
| Net annual value (moderate spend) | ₹570/yr | ₹90/yr | ₹1,600/yr |
| Secured / FD-backed | No | No | Yes |
| Signup bonus | ₹4,000 | — | — |
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?
- IDFC Ashva Gold (FD) leads with an estimated ₹1,600/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- ICICI Coral Credit Card lists a minimum monthly income of ₹30,000.
- 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 | ICICI BankGold ICICI Coral Credit Card •••• •••• •••• 4242 Quick facts ICICI Coral Credit Card Top reward2 RP/₹100 Annual fee₹500 Min income₹30,000/mo Tap to flip back ICICI Coral Credit Card ICICI 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 | ₹500 | ₹0 |
| Min income | ₹60,000 | ₹30,000 | Not stated |
| Top reward rate | 4X Membership Rewards/₹150 | 2 RP/₹100 | 2X reward points |
| Net value (moderate) | ₹570/yr | ₹90/yr | ₹1,600/yr |
| Secured / no bureau | Standard | Standard | FD-backed |
| Signup bonus | ₹4,000 | — | — |
More American Express Gold Card comparisons
- American Express Gold Card vs 811 Dream Different Credit Card
- American Express Gold Card vs AU Altura Credit Card
- American Express Gold Card vs AU Zenith Credit Card
- American Express Gold Card vs American Express Platinum Travel Card
- American Express Gold Card vs Amex Membership Rewards CC
- American Express Gold Card vs Axis Bank ACE Credit Card
- American Express Gold Card vs Axis Bank Atlas Credit Card
- American Express Gold Card vs Axis Bank Flipkart Credit Card
- American Express Gold Card vs Axis Bank Magnus Credit Card
- American Express Gold Card vs Axis Bank My Zone Credit Card
- American Express Gold Card vs Axis Bank Neo Credit Card
- American Express Gold Card vs Axis Bank Privilege Credit Card