Side-by-side · honest numbers
AU Zenith Credit Card vs IDFC Ashva Gold (FD) vs SBI Card against Fixed Deposit
Honest side-by-side comparison of AU Zenith Credit Card, IDFC Ashva Gold (FD), SBI Card against Fixed Deposit — 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, SBI Card against Fixed Deposit ranks first for estimated net annual value — ahead of IDFC Ashva Gold (FD) by about ₹170/yr.
| Feature | AU Zenith Credit Card AU Small Finance Bank | IDFC Ashva Gold (FD) IDFC FIRST Bank | SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| Annual fee | ₹7,999 | ₹0 | ₹0 |
| Min income (monthly) | ₹75,000 | Not stated | Not stated |
| Top reward rate | 3X points/₹150 | 2X reward points | 80% of FD value |
| Net annual value (moderate spend) | -₹6,487/yr | ₹1,600/yr | ₹1,770/yr |
| Secured / FD-backed | No | Yes | Yes |
| Signup bonus | — | — | — |
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?
- SBI Card against Fixed Deposit leads with an estimated ₹1,770/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- AU Zenith Credit Card lists a minimum monthly income of ₹75,000.
- Which cards are secured (FD-backed)?
- IDFC Ashva Gold (FD), SBI Card against Fixed Deposit 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 | 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 | 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 | SBI CardClassic SBI Card against Fixed Deposit •••• •••• •••• 4242 Quick facts SBI Card against Fixed Deposit Top reward80% of FD value Annual feeLifetime Free Tap to flip back SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| Annual fee | ₹7,999 | ₹0 | ₹0 |
| Min income | ₹75,000 | Not stated | Not stated |
| Top reward rate | 3X points/₹150 | 2X reward points | 80% of FD value |
| Net value (moderate) | -₹6,487/yr | ₹1,600/yr | ₹1,770/yr |
| Secured / no bureau | Standard | FD-backed | FD-backed |
| Signup bonus | — | — | — |
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