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?

IRCTC ICICI Bank 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.

Side-by-side · honest numbers

HDFC Diners Club Black Metal vs IDFC Ashva Gold (FD) vs IRCTC ICICI Bank Credit Card

Honest side-by-side comparison of HDFC Diners Club Black Metal, IDFC Ashva Gold (FD), IRCTC ICICI Bank 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 IRCTC ICICI Bank Credit Card by about ₹537/yr.

HDFC Diners Club Black Metal vs IDFC Ashva Gold (FD) vs IRCTC ICICI Bank Credit Card comparison table
Feature	HDFC Diners Club Black Metal HDFC Bank	IDFC Ashva Gold (FD) IDFC FIRST Bank	IRCTC ICICI Bank Credit Card ICICI Bank
Annual fee	₹10,000	₹0	₹0
Min income (monthly)	₹1,50,000	Not stated	₹20,000
Top reward rate	10X points	2X reward points	10% reward points
Net annual value (moderate spend)	-₹5,617/yr	₹1,600/yr	₹1,063/yr
Secured / FD-backed	No	Yes	No
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?: IRCTC ICICI Bank 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.

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Your adjusted comparison

Feature	HDFC BankMetal HDFC Diners Club Black Metal •••• •••• •••• 4242 Quick facts HDFC Diners Club Black Metal Top reward10X points Annual fee₹10,000 Min income₹1,50,000/mo Tap to flip back HDFC Diners Club Black Metal 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	ICICI BankClassic IRCTC ICICI Bank Credit Card •••• •••• •••• 4242 Quick facts IRCTC ICICI Bank Credit Card Top reward10% reward points Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IRCTC ICICI Bank Credit Card ICICI Bank
Annual fee	₹10,000	₹0	₹0
Min income	₹1,50,000	Not stated	₹20,000
Top reward rate	10X points	2X reward points	10% reward points
Net value (moderate)	-₹5,617/yr	₹1,600/yr	₹1,063/yr
Secured / no bureau	Standard	FD-backed	Standard
Signup bonus	—	—	—

HDFC Diners Club Black Metal details →IDFC Ashva Gold (FD) details →IRCTC ICICI Bank Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC Diners Club Black Metal comparisons