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?

ICICI Amazon Pay Credit Card leads with an estimated ₹7,830/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.

Side-by-side · honest numbers

HDFC Bharat Cashback Credit Card vs ICICI Amazon Pay Credit Card vs IDFC Ashva Gold (FD)

Honest side-by-side comparison of HDFC Bharat Cashback Credit Card, ICICI Amazon Pay 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, ICICI Amazon Pay Credit Card ranks first for estimated net annual value — ahead of HDFC Bharat Cashback Credit Card by about ₹2,400/yr.

HDFC Bharat Cashback Credit Card vs ICICI Amazon Pay Credit Card vs IDFC Ashva Gold (FD) comparison table
Feature	HDFC Bharat Cashback Credit Card HDFC Bank	ICICI Amazon Pay Credit Card ICICI Bank	IDFC Ashva Gold (FD) IDFC FIRST Bank
Annual fee	₹0	₹0	₹0
Min income (monthly)	₹15,000	₹25,000	Not stated
Top reward rate	5% cashback	5%	2X reward points
Net annual value (moderate spend)	₹5,430/yr	₹7,830/yr	₹1,600/yr
Secured / FD-backed	No	No	Yes
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?: ICICI Amazon Pay Credit Card leads with an estimated ₹7,830/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.

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Your adjusted comparison

Feature	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	ICICI BankGold ICICI Amazon Pay Credit Card •••• •••• •••• 4242 Quick facts ICICI Amazon Pay Credit Card Top reward5% Annual feeLifetime Free Min income₹25,000/mo Tap to flip back ICICI Amazon Pay Credit Card ICICI 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	₹0	₹0	₹0
Min income	₹15,000	₹25,000	Not stated
Top reward rate	5% cashback	5%	2X reward points
Net value (moderate)	₹5,430/yr	₹7,830/yr	₹1,600/yr
Secured / no bureau	Standard	Standard	FD-backed
Signup bonus	—	—	—

HDFC Bharat Cashback Credit Card details →ICICI Amazon Pay Credit Card details →IDFC Ashva Gold (FD) details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC Bharat Cashback Credit Card comparisons