Side-by-side · honest numbers
AU Altura Credit Card vs HDFC MoneyBack+ Credit Card vs IDFC Ashva Gold (FD)
Honest side-by-side comparison of AU Altura Credit Card, HDFC MoneyBack+ 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, AU Altura Credit Card ranks first for estimated net annual value — ahead of IDFC Ashva Gold (FD) by about ₹320/yr.
| Feature | AU Altura Credit Card AU Small Finance Bank | HDFC MoneyBack+ Credit Card HDFC Bank | IDFC Ashva Gold (FD) IDFC FIRST Bank |
|---|---|---|---|
| Annual fee | ₹0 | ₹500 | ₹0 |
| Min income (monthly) | ₹15,000 | ₹20,000 | Not stated |
| Top reward rate | 2% cashback | 10X points | 2X reward points |
| Net annual value (moderate spend) | ₹1,920/yr | ₹690/yr | ₹1,600/yr |
| Secured / FD-backed | No | No | Yes |
| Signup bonus | — | ₹500 | — |
Frequently asked questions
- Which card has the lower annual fee?
- AU Altura Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- AU Altura Credit Card leads with an estimated ₹1,920/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- AU Altura Credit Card lists a minimum monthly income of ₹15,000.
- 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 | AU Small Finance BankClassic AU Altura Credit Card •••• •••• •••• 4242 Quick facts AU Altura Credit Card Top reward2% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back AU Altura Credit Card AU Small Finance Bank | HDFC BankClassic HDFC MoneyBack+ Credit Card •••• •••• •••• 4242 Quick facts HDFC MoneyBack+ Credit Card Top reward10X points Annual fee₹500 Min income₹20,000/mo Tap to flip back HDFC MoneyBack+ 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 | ₹0 | ₹500 | ₹0 |
| Min income | ₹15,000 | ₹20,000 | Not stated |
| Top reward rate | 2% cashback | 10X points | 2X reward points |
| Net value (moderate) | ₹1,920/yr | ₹690/yr | ₹1,600/yr |
| Secured / no bureau | Standard | Standard | FD-backed |
| Signup bonus | — | ₹500 | — |
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