Side-by-side · honest numbers
Bajaj Finserv DBS Bank SuperCard vs IDFC Ashva Gold (FD)
Honest side-by-side comparison of Bajaj Finserv DBS Bank SuperCard, 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) leads Bajaj Finserv DBS Bank SuperCard by about ₹1,420/yr in estimated net value.
| Feature | Bajaj Finserv DBS Bank SuperCard DBS Bank | IDFC Ashva Gold (FD) IDFC FIRST Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹999 | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Lifetime free |
| Min income | ₹25,000/mo | Not stated |
| Secured / FD-backed | Standard | FD-backed |
| Rewards | ||
| Net annual value (moderate) | ₹180/yr | ₹1,600/yr |
| Online shopping | 2 pts per ₹150 spend → ₹33/mo (₹400/yr) | — |
| Top reward rate | 2X reward points | 2X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | 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) |
| Key exclusions | EMI · Fuel · Rent | 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
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 | 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 | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Lifetime free |
| Min income | ₹25,000/mo | Not stated |
| Secured / FD-backed | Standard | FD-backed |
| Rewards | ||
| Net annual value (moderate) | ₹180/yr | ₹1,600/yr |
| Online shopping | 2 pts per ₹150 spend → ₹33/mo (₹400/yr) | — |
| Top reward rate | 2X reward points | 2X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | 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) |
| Key exclusions | EMI · Fuel · Rent | Not stated |
| Bonuses | ||
| Signup bonus | — | — |
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