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?

HDFC Millennia Credit Card leads with an estimated ₹8,830/yr net annual value on moderate spend.

Which card has the lower income requirement?

Bajaj Finserv RBL 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.

Side-by-side · honest numbers

Bajaj Finserv RBL Bank SuperCard vs HDFC Millennia Credit Card vs IDFC Ashva Gold (FD)

Honest side-by-side comparison of Bajaj Finserv RBL Bank SuperCard, HDFC Millennia 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, HDFC Millennia Credit Card ranks first for estimated net annual value — ahead of IDFC Ashva Gold (FD) by about ₹7,230/yr.

Bajaj Finserv RBL Bank SuperCard vs HDFC Millennia Credit Card vs IDFC Ashva Gold (FD) comparison table
Feature	Bajaj Finserv RBL Bank SuperCard RBL Bank	HDFC Millennia Credit Card HDFC Bank	IDFC Ashva Gold (FD) IDFC FIRST Bank
Annual fee	₹999	₹1,000	₹0
Min income (monthly)	₹25,000	₹35,000	Not stated
Top reward rate	2X points/₹150	5%	2X reward points
Net annual value (moderate spend)	-₹739/yr	₹8,830/yr	₹1,600/yr
Secured / FD-backed	No	No	Yes
Signup bonus	—	₹1,000	—

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?: HDFC Millennia Credit Card leads with an estimated ₹8,830/yr net annual value on moderate spend.
Which card has the lower income requirement?: Bajaj Finserv RBL 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.

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Your adjusted comparison

Feature	RBL BankGold Bajaj Finserv RBL Bank SuperCard •••• •••• •••• 4242 Quick facts Bajaj Finserv RBL Bank SuperCard Top reward2X points/₹150 Annual fee₹999 Min income₹25,000/mo Tap to flip back Bajaj Finserv RBL Bank SuperCard RBL Bank	HDFC BankGold HDFC Millennia Credit Card •••• •••• •••• 4242 Quick facts HDFC Millennia Credit Card Top reward5% Annual fee₹1,000 Min income₹35,000/mo Tap to flip back HDFC Millennia 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	₹999	₹1,000	₹0
Min income	₹25,000	₹35,000	Not stated
Top reward rate	2X points/₹150	5%	2X reward points
Net value (moderate)	-₹739/yr	₹8,830/yr	₹1,600/yr
Secured / no bureau	Standard	Standard	FD-backed
Signup bonus	—	₹1,000	—

Bajaj Finserv RBL Bank SuperCard details →HDFC Millennia Credit Card details →IDFC Ashva Gold (FD) details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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