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?

Axis Bank Flipkart Credit Card leads with an estimated ₹5,960/yr net annual value on moderate spend.

Which card has the lower income requirement?

Axis Bank Flipkart 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.

Side-by-side · honest numbers

Axis Bank Flipkart Credit Card vs IDFC Ashva Gold (FD) vs YES ACE Credit Card

Honest side-by-side comparison of Axis Bank Flipkart Credit Card, IDFC Ashva Gold (FD), YES ACE 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, Axis Bank Flipkart Credit Card ranks first for estimated net annual value — ahead of YES ACE Credit Card by about ₹1,509/yr.

Axis Bank Flipkart Credit Card vs IDFC Ashva Gold (FD) vs YES ACE Credit Card comparison table
Feature	Axis Bank Flipkart Credit Card Axis Bank	IDFC Ashva Gold (FD) IDFC FIRST Bank	YES ACE Credit Card YES Bank
Annual fee	₹500	₹0	₹499
Min income (monthly)	₹25,000	Not stated	₹25,000
Top reward rate	5%	2X reward points	4% cashback
Net annual value (moderate spend)	₹5,960/yr	₹1,600/yr	₹4,451/yr
Secured / FD-backed	No	Yes	No
Signup bonus	₹500	—	—

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?: Axis Bank Flipkart Credit Card leads with an estimated ₹5,960/yr net annual value on moderate spend.
Which card has the lower income requirement?: Axis Bank Flipkart 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.

Card 1

Card 2

Card 3

Your adjusted comparison

Feature	Axis BankGold Axis Bank Flipkart Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Flipkart Credit Card Top reward5% Annual fee₹500 Min income₹25,000/mo Tap to flip back Axis Bank Flipkart Credit Card Axis 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	YES BankGold YES ACE Credit Card •••• •••• •••• 4242 Quick facts YES ACE Credit Card Top reward4% cashback Annual fee₹499 Min income₹25,000/mo Tap to flip back YES ACE Credit Card YES Bank
Annual fee	₹500	₹0	₹499
Min income	₹25,000	Not stated	₹25,000
Top reward rate	5%	2X reward points	4% cashback
Net value (moderate)	₹5,960/yr	₹1,600/yr	₹4,451/yr
Secured / no bureau	Standard	FD-backed	Standard
Signup bonus	₹500	—	—

Axis Bank Flipkart Credit Card details →IDFC Ashva Gold (FD) details →YES ACE Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Axis Bank Flipkart Credit Card comparisons