Side-by-side · honest numbers
HDFC 6E Rewards Credit Card vs HDFC Bharat Cashback Credit Card vs IDFC Ashva Gold (FD)
Honest side-by-side comparison of HDFC 6E Rewards Credit Card, HDFC Bharat Cashback 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 Bharat Cashback Credit Card ranks first for estimated net annual value — ahead of IDFC Ashva Gold (FD) by about ₹3,830/yr.
| Feature | HDFC 6E Rewards Credit Card HDFC Bank | HDFC Bharat Cashback Credit Card HDFC Bank | IDFC Ashva Gold (FD) IDFC FIRST Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | Lifetime free | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Lifetime free | Lifetime free |
| Min income | ₹25,000/mo | ₹15,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | ₹380/yr | ₹5,430/yr | ₹1,600/yr |
| Fuel | — | 5% cashback → ₹200/mo (₹2,400/yr) | — |
| Travel | 5 pts per ₹150 spend → ₹42/mo (₹500/yr) | — | — |
| Top reward rate | 5X reward points | 5% cashback | 2X reward points |
| Primary reward cap | No monthly cap published | ₹250 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | 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) | Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Rent · Wallet loads · Insurance | Not stated |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC Bharat Cashback Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- HDFC Bharat Cashback Credit Card leads with an estimated ₹5,430/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HDFC Bharat Cashback Credit Card lists a minimum monthly income of ₹15,000.
- 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.
HDFC 6E Rewards Credit Card
HDFC Bank
HDFC Bharat Cashback Credit Card
HDFC Bank
IDFC Ashva Gold (FD)
IDFC FIRST Bank
Your adjusted comparison
| Feature | HDFC BankPlatinum HDFC 6E Rewards Credit Card •••• •••• •••• 4242 Quick facts HDFC 6E Rewards Credit Card Top reward5X reward points Annual fee₹500 Min income₹25,000/mo Tap to flip back HDFC 6E Rewards Credit Card HDFC Bank | HDFC BankClassic HDFC Bharat Cashback Credit Card •••• •••• •••• 4242 Quick facts HDFC Bharat Cashback Credit Card Top reward5% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back HDFC Bharat Cashback 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 | ₹500 | Lifetime free | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Lifetime free | Lifetime free |
| Min income | ₹25,000/mo | ₹15,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | ₹380/yr | ₹5,430/yr | ₹1,600/yr |
| Fuel | — | 5% cashback → ₹200/mo (₹2,400/yr) | — |
| Travel | 5 pts per ₹150 spend → ₹42/mo (₹500/yr) | — | — |
| Top reward rate | 5X reward points | 5% cashback | 2X reward points |
| Primary reward cap | No monthly cap published | ₹250 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | 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) | Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Rent · Wallet loads · Insurance | Not stated |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/hdfc-6e-rewards-vs-hdfc-bharat-vs-idfc-ashva-goldMore HDFC 6E Rewards Credit Card comparisons
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