Side-by-side · honest numbers
HDFC 6E Rewards Credit Card vs IDFC Ashva Gold (FD) vs RBL World Safari
Honest side-by-side comparison of HDFC 6E Rewards Credit Card, IDFC Ashva Gold (FD), RBL World Safari — 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, RBL World Safari ranks first for estimated net annual value — ahead of IDFC Ashva Gold (FD) by about ₹368/yr.
| Feature | HDFC 6E Rewards Credit Card HDFC Bank | IDFC Ashva Gold (FD) IDFC FIRST Bank | RBL World Safari RBL Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | Lifetime free | ₹3,000 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Lifetime free | No waiver published |
| Min income | ₹25,000/mo | Not stated | ₹50,000/mo |
| Secured / FD-backed | Standard | FD-backed | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹380/yr | ₹1,600/yr | ₹1,968/yr |
| Travel | 5 pts per ₹150 spend → ₹42/mo (₹500/yr) | — | 4 pts per ₹150 spend → ₹40/mo (₹480/yr) |
| Top reward rate | 5X reward points | 2X reward points | 4X points |
| 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 | 2 domestic/quarter + 2 intl/year (Priority Pass) · ₹35,000/quarter retail spend for domestic lounge from Jul 2025; bonus PP visit at ₹50k/quarter |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | Not stated | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹3,000 |
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?
- RBL World Safari leads with an estimated ₹1,968/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HDFC 6E Rewards Credit Card 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.
HDFC 6E Rewards Credit Card
HDFC Bank
IDFC Ashva Gold (FD)
IDFC FIRST Bank
RBL World Safari
RBL 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 | RBL BankPlatinum RBL World Safari •••• •••• •••• 4242 Quick facts RBL World Safari Top reward4X points Annual fee₹3,000 Min income₹50,000/mo Tap to flip back RBL World Safari RBL Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | Lifetime free | ₹3,000 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Lifetime free | No waiver published |
| Min income | ₹25,000/mo | Not stated | ₹50,000/mo |
| Secured / FD-backed | Standard | FD-backed | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹380/yr | ₹1,600/yr | ₹1,968/yr |
| Travel | 5 pts per ₹150 spend → ₹42/mo (₹500/yr) | — | 4 pts per ₹150 spend → ₹40/mo (₹480/yr) |
| Top reward rate | 5X reward points | 2X reward points | 4X points |
| 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 | 2 domestic/quarter + 2 intl/year (Priority Pass) · ₹35,000/quarter retail spend for domestic lounge from Jul 2025; bonus PP visit at ₹50k/quarter |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | Not stated | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹3,000 |
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https://cardhungry.com/in/en/compare/hdfc-6e-rewards-vs-idfc-ashva-gold-vs-rbl-world-safariMore HDFC 6E Rewards Credit Card comparisons
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