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.

Side-by-side · honest numbers

HDFC Bharat Cashback Credit Card vs IDFC Ashva Gold (FD) vs RBL Bank Icon Credit Card

Honest side-by-side comparison of HDFC Bharat Cashback Credit Card, IDFC Ashva Gold (FD), RBL Bank Icon 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, HDFC Bharat Cashback Credit Card ranks first for estimated net annual value — ahead of IDFC Ashva Gold (FD) by about ₹3,830/yr.

HDFC Bharat Cashback Credit Card vs IDFC Ashva Gold (FD) vs RBL Bank Icon Credit Card comparison table
Feature	HDFC Bharat Cashback Credit Card HDFC Bank	IDFC Ashva Gold (FD) IDFC FIRST Bank	RBL Bank Icon Credit Card RBL Bank
Annual fee	₹0	₹0	₹5,000
Min income (monthly)	₹15,000	Not stated	₹50,000
Top reward rate	5% cashback	2X reward points	2X points/₹150
Net annual value (moderate spend)	₹5,430/yr	₹1,600/yr	-₹4,803/yr
Secured / FD-backed	No	Yes	No
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.

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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	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 Bank Icon Credit Card •••• •••• •••• 4242 Quick facts RBL Bank Icon Credit Card Top reward2X points/₹150 Annual fee₹5,000 Min income₹50,000/mo Tap to flip back RBL Bank Icon Credit Card RBL Bank
Annual fee	₹0	₹0	₹5,000
Min income	₹15,000	Not stated	₹50,000
Top reward rate	5% cashback	2X reward points	2X points/₹150
Net value (moderate)	₹5,430/yr	₹1,600/yr	-₹4,803/yr
Secured / no bureau	Standard	FD-backed	Standard
Signup bonus	—	—	—

HDFC Bharat Cashback Credit Card details →IDFC Ashva Gold (FD) details →RBL Bank Icon Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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