Side-by-side · honest numbers
Bajaj Finserv DBS Bank SuperCard vs HDFC Bank Infinia Credit Card vs IDFC Ashva Gold (FD)
Honest side-by-side comparison of Bajaj Finserv DBS Bank SuperCard, HDFC Bank Infinia 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, IDFC Ashva Gold (FD) ranks first for estimated net annual value — ahead of Bajaj Finserv DBS Bank SuperCard by about ₹1,420/yr.
| Feature | Bajaj Finserv DBS Bank SuperCard DBS Bank | HDFC Bank Infinia Credit Card HDFC Bank | IDFC Ashva Gold (FD) IDFC FIRST Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹999 | ₹12,500 | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | ₹10,00,000/yr | Lifetime free |
| Min income | ₹25,000/mo | ₹1,00,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | ₹180/yr | -₹4,128/yr | ₹1,600/yr |
| Online shopping | 2 pts per ₹150 spend → ₹33/mo (₹400/yr) | — | — |
| Travel | — | 5 pts per ₹150 spend → ₹167/mo (₹2,000/yr) | — |
| Top reward rate | 2X reward points | 5 RP/₹150 | 2X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic + international (Priority Pass) · No minimum spend for lounge — invite-only metal card | Domestic lounge with FD ≥ ₹25K · FD-backed card — lounge tied to minimum ₹25,000 fixed deposit, not monthly spend |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet | Not stated |
| Bonuses | |||
| 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?
- IDFC Ashva Gold (FD) leads with an estimated ₹1,600/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Bajaj Finserv DBS Bank SuperCard 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.
Bajaj Finserv DBS Bank SuperCard
DBS Bank
HDFC Bank Infinia Credit Card
HDFC Bank
IDFC Ashva Gold (FD)
IDFC FIRST Bank
Your adjusted comparison
| Feature | DBS BankGold Bajaj Finserv DBS Bank SuperCard •••• •••• •••• 4242 Quick facts Bajaj Finserv DBS Bank SuperCard Top reward2X reward points Annual fee₹999 Min income₹25,000/mo Tap to flip back Bajaj Finserv DBS Bank SuperCard DBS Bank | HDFC BankMetal HDFC Bank Infinia Credit Card •••• •••• •••• 4242 Quick facts HDFC Bank Infinia Credit Card Top reward5 RP/₹150 Annual fee₹12,500 Min income₹1,00,000/mo Tap to flip back HDFC Bank Infinia 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 |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹999 | ₹12,500 | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | ₹10,00,000/yr | Lifetime free |
| Min income | ₹25,000/mo | ₹1,00,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | ₹180/yr | -₹4,128/yr | ₹1,600/yr |
| Online shopping | 2 pts per ₹150 spend → ₹33/mo (₹400/yr) | — | — |
| Travel | — | 5 pts per ₹150 spend → ₹167/mo (₹2,000/yr) | — |
| Top reward rate | 2X reward points | 5 RP/₹150 | 2X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic + international (Priority Pass) · No minimum spend for lounge — invite-only metal card | Domestic lounge with FD ≥ ₹25K · FD-backed card — lounge tied to minimum ₹25,000 fixed deposit, not monthly spend |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet | Not stated |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/bajaj-dbs-supercard-vs-hdfc-infinia-vs-idfc-ashva-goldMore Bajaj Finserv DBS Bank SuperCard comparisons
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