Side-by-side · honest numbers
American Express Platinum Travel Card vs Tata Neu Plus HDFC Bank Credit Card vs IDFC Ashva Gold (FD)
Honest side-by-side comparison of American Express Platinum Travel Card, Tata Neu Plus HDFC Bank 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, American Express Platinum Travel Card ranks first for estimated net annual value — ahead of Tata Neu Plus HDFC Bank Credit Card by about ₹2,711/yr.
| Feature | American Express Platinum Travel Card American Express | Tata Neu Plus HDFC Bank Credit Card HDFC Bank | IDFC Ashva Gold (FD) IDFC FIRST Bank |
|---|---|---|---|
| Annual fee | ₹5,000 | ₹499 | ₹0 |
| Min income (monthly) | ₹60,000 | ₹25,000 | Not stated |
| Top reward rate | 3X Membership Rewards/₹150 | 5% NeuCoins | 2X reward points |
| Net annual value (moderate spend) | ₹6,240/yr | ₹3,529/yr | ₹1,600/yr |
| Secured / FD-backed | No | No | Yes |
| Signup bonus | ₹10,000 | ₹499 | — |
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?
- American Express Platinum Travel Card leads with an estimated ₹6,240/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Tata Neu Plus HDFC Bank Credit Card lists a minimum monthly income of ₹25,000.
- 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 ExpressPlatinum American Express Platinum Travel Card •••• •••• •••• 4242 Quick facts American Express Platinum Travel Card Top reward3X Membership Rewards/₹150 Annual fee₹5,000 Min income₹60,000/mo Tap to flip back American Express Platinum Travel Card American Express | HDFC BankGold Tata Neu Plus HDFC Bank Credit Card •••• •••• •••• 4242 Quick facts Tata Neu Plus HDFC Bank Credit Card Top reward5% NeuCoins Annual fee₹499 Min income₹25,000/mo Tap to flip back Tata Neu Plus HDFC Bank 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 | ₹5,000 | ₹499 | ₹0 |
| Min income | ₹60,000 | ₹25,000 | Not stated |
| Top reward rate | 3X Membership Rewards/₹150 | 5% NeuCoins | 2X reward points |
| Net value (moderate) | ₹6,240/yr | ₹3,529/yr | ₹1,600/yr |
| Secured / no bureau | Standard | Standard | FD-backed |
| Signup bonus | ₹10,000 | ₹499 | — |
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