Side-by-side · honest numbers
AU Zenith Credit Card vs Tata Neu Plus HDFC Bank Credit Card vs IDFC Ashva Gold (FD)
Honest side-by-side comparison of AU Zenith Credit 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, Tata Neu Plus HDFC Bank Credit Card ranks first for estimated net annual value — ahead of IDFC Ashva Gold (FD) by about ₹1,929/yr.
| Feature | AU Zenith Credit Card AU Small Finance Bank | Tata Neu Plus HDFC Bank Credit Card HDFC Bank | IDFC Ashva Gold (FD) IDFC FIRST Bank |
|---|---|---|---|
| Annual fee | ₹7,999 | ₹499 | ₹0 |
| Min income (monthly) | ₹75,000 | ₹25,000 | Not stated |
| Top reward rate | 3X points/₹150 | 5% NeuCoins | 2X reward points |
| Net annual value (moderate spend) | -₹6,487/yr | ₹3,529/yr | ₹1,600/yr |
| Secured / FD-backed | No | No | Yes |
| Signup bonus | — | ₹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?
- Tata Neu Plus HDFC Bank Credit Card leads with an estimated ₹3,529/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 | AU Small Finance BankPlatinum AU Zenith Credit Card •••• •••• •••• 4242 Quick facts AU Zenith Credit Card Top reward3X points/₹150 Annual fee₹7,999 Min income₹75,000/mo Tap to flip back AU Zenith Credit Card AU Small Finance Bank | 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 | ₹7,999 | ₹499 | ₹0 |
| Min income | ₹75,000 | ₹25,000 | Not stated |
| Top reward rate | 3X points/₹150 | 5% NeuCoins | 2X reward points |
| Net value (moderate) | -₹6,487/yr | ₹3,529/yr | ₹1,600/yr |
| Secured / no bureau | Standard | Standard | FD-backed |
| Signup bonus | — | ₹499 | — |
More AU Zenith Credit Card comparisons
- AU Zenith Credit Card vs 811 Dream Different Credit Card
- AU Zenith Credit Card vs AU Altura Credit Card
- AU Zenith Credit Card vs American Express Gold Card
- AU Zenith Credit Card vs American Express Platinum Travel Card
- AU Zenith Credit Card vs Amex Membership Rewards CC
- AU Zenith Credit Card vs Axis Bank ACE Credit Card
- AU Zenith Credit Card vs Axis Bank Atlas Credit Card
- AU Zenith Credit Card vs Axis Bank Flipkart Credit Card
- AU Zenith Credit Card vs Axis Bank Magnus Credit Card
- AU Zenith Credit Card vs Axis Bank My Zone Credit Card
- AU Zenith Credit Card vs Axis Bank Neo Credit Card
- AU Zenith Credit Card vs Axis Bank Privilege Credit Card