Side-by-side · honest numbers
HDFC 6E Rewards Credit Card vs IDFC Ashva Gold (FD) vs IndusInd Legend Credit Card
Honest side-by-side comparison of HDFC 6E Rewards Credit Card, IDFC Ashva Gold (FD), IndusInd Legend Credit Card — 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 IndusInd Legend Credit Card by about ₹766/yr.
| Feature | HDFC 6E Rewards Credit Card HDFC Bank | IDFC Ashva Gold (FD) IDFC FIRST Bank | IndusInd Legend Credit Card IndusInd 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 | Not stated | ₹20,000/mo |
| Secured / FD-backed | Standard | FD-backed | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹380/yr | ₹1,600/yr | ₹834/yr |
| Travel | 5 pts per ₹150 spend → ₹42/mo (₹500/yr) | — | — |
| Top reward rate | 5X reward points | 2X reward points | 1 reward point/₹100 |
| Primary reward cap | No monthly cap published | 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 | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | Not stated | EMI · Fuel · Rent |
| 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?
- IndusInd Legend 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.
HDFC 6E Rewards Credit Card
HDFC Bank
IDFC Ashva Gold (FD)
IDFC FIRST Bank
IndusInd Legend Credit Card
IndusInd 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 | 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 | IndusInd BankGold IndusInd Legend Credit Card •••• •••• •••• 4242 Quick facts IndusInd Legend Credit Card Top reward1 reward point/₹100 Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IndusInd Legend Credit Card IndusInd 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 | Not stated | ₹20,000/mo |
| Secured / FD-backed | Standard | FD-backed | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹380/yr | ₹1,600/yr | ₹834/yr |
| Travel | 5 pts per ₹150 spend → ₹42/mo (₹500/yr) | — | — |
| Top reward rate | 5X reward points | 2X reward points | 1 reward point/₹100 |
| Primary reward cap | No monthly cap published | 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 | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | Not stated | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Share this comparison
https://cardhungry.com/in/en/compare/hdfc-6e-rewards-vs-idfc-ashva-gold-vs-indusind-legendMore HDFC 6E Rewards Credit Card comparisons
- HDFC 6E Rewards Credit Card vs 811 Dream Different Credit Card
- HDFC 6E Rewards Credit Card vs AU Altura Credit Card
- HDFC 6E Rewards Credit Card vs AU Zenith Credit Card
- HDFC 6E Rewards Credit Card vs American Express Gold Card
- HDFC 6E Rewards Credit Card vs American Express Platinum Travel Card
- HDFC 6E Rewards Credit Card vs American Express SmartEarn Credit Card
- HDFC 6E Rewards Credit Card vs Amex Membership Rewards CC
- HDFC 6E Rewards Credit Card vs Axis Bank ACE Credit Card
- HDFC 6E Rewards Credit Card vs Axis Bank Airtel Credit Card
- HDFC 6E Rewards Credit Card vs Axis Bank Atlas Credit Card
- HDFC 6E Rewards Credit Card vs Axis Bank Flipkart Credit Card
- HDFC 6E Rewards Credit Card vs Axis Bank Magnus Credit Card