Side-by-side · honest numbers
American Express Gold Card vs IDFC Ashva Gold (FD) vs IDFC FIRST WOW Credit Card
Honest side-by-side comparison of American Express Gold Card, IDFC Ashva Gold (FD), IDFC FIRST WOW Credit Card — 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 IDFC FIRST WOW Credit Card by about ₹800/yr.
| Feature | American Express Gold Card American Express | IDFC Ashva Gold (FD) IDFC FIRST Bank | IDFC FIRST WOW Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Annual fee | ₹4,500 | ₹0 | ₹0 |
| Min income (monthly) | ₹60,000 | Not stated | Not stated |
| Top reward rate | 4X Membership Rewards/₹150 | 2X reward points | 1X reward points |
| Net annual value (moderate spend) | ₹570/yr | ₹1,600/yr | ₹800/yr |
| Secured / FD-backed | No | Yes | 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?
- American Express Gold Card lists a minimum monthly income of ₹60,000.
- Which cards are secured (FD-backed)?
- IDFC Ashva Gold (FD), IDFC FIRST WOW Credit Card are 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 | 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 | IDFC FIRST BankClassic IDFC FIRST WOW Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST WOW Credit Card Top reward1X reward points Annual feeLifetime Free Tap to flip back IDFC FIRST WOW Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Annual fee | ₹4,500 | ₹0 | ₹0 |
| Min income | ₹60,000 | Not stated | Not stated |
| Top reward rate | 4X Membership Rewards/₹150 | 2X reward points | 1X reward points |
| Net value (moderate) | ₹570/yr | ₹1,600/yr | ₹800/yr |
| Secured / no bureau | Standard | FD-backed | FD-backed |
| Signup bonus | ₹4,000 | — | — |
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