Side-by-side · honest numbers
Bajaj Finserv RBL Bank SuperCard vs HDFC MoneyBack+ Credit Card vs IDFC Ashva Gold (FD)
Honest side-by-side comparison of Bajaj Finserv RBL Bank SuperCard, HDFC MoneyBack+ 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 HDFC MoneyBack+ Credit Card by about ₹910/yr.
| Feature | Bajaj Finserv RBL Bank SuperCard RBL Bank | HDFC MoneyBack+ Credit Card HDFC Bank | IDFC Ashva Gold (FD) IDFC FIRST Bank |
|---|---|---|---|
| Annual fee | ₹999 | ₹500 | ₹0 |
| Min income (monthly) | ₹25,000 | ₹20,000 | Not stated |
| Top reward rate | 2X points/₹150 | 10X points | 2X reward points |
| Net annual value (moderate spend) | -₹739/yr | ₹690/yr | ₹1,600/yr |
| Secured / FD-backed | No | No | Yes |
| 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?
- IDFC Ashva Gold (FD) leads with an estimated ₹1,600/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HDFC MoneyBack+ Credit Card lists a minimum monthly income of ₹20,000.
- 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.
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 BankClassic HDFC MoneyBack+ Credit Card •••• •••• •••• 4242 Quick facts HDFC MoneyBack+ Credit Card Top reward10X points Annual fee₹500 Min income₹20,000/mo Tap to flip back HDFC MoneyBack+ 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 | ₹500 | ₹0 |
| Min income | ₹25,000 | ₹20,000 | Not stated |
| Top reward rate | 2X points/₹150 | 10X points | 2X reward points |
| Net value (moderate) | -₹739/yr | ₹690/yr | ₹1,600/yr |
| Secured / no bureau | Standard | Standard | FD-backed |
| Signup bonus | — | ₹500 | — |
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