Side-by-side · honest numbers
HDFC Diners Club Black Metal vs IDFC Ashva Gold (FD) vs slice credit card
Honest side-by-side comparison of HDFC Diners Club Black Metal, IDFC Ashva Gold (FD), slice 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, slice credit card ranks first for estimated net annual value — ahead of IDFC Ashva Gold (FD) by about ₹1,910/yr.
| Feature | HDFC Diners Club Black Metal HDFC Bank | IDFC Ashva Gold (FD) IDFC FIRST Bank | slice credit card Slice |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹10,000 | Lifetime free | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free | Lifetime free |
| Min income | ₹1,50,000/mo | Not stated | ₹15,000/mo |
| Secured / FD-backed | Standard | FD-backed | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹6,300/yr | ₹1,600/yr | ₹3,510/yr |
| Travel | 5 pts per ₹150 spend → ₹83/mo (₹1,000/yr) | — | — |
| Top reward rate | 10X points | 2X reward points | Up to 1% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹500 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic + international · No minimum spend — show physical card at lounge (DreamFolks / Diners network) | 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) | Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap |
| Key exclusions | EMI · Fuel · Rent · Wallet | Not stated | Rent · Wallet loads · EMI |
| 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?
- slice credit card leads with an estimated ₹3,510/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- slice 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.
HDFC Diners Club Black Metal
HDFC Bank
IDFC Ashva Gold (FD)
IDFC FIRST Bank
slice credit card
Slice
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 | SliceGold slice credit card •••• •••• •••• 4242 Quick facts slice credit card Top rewardUp to 1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back slice credit card Slice |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹10,000 | Lifetime free | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free | Lifetime free |
| Min income | ₹1,50,000/mo | Not stated | ₹15,000/mo |
| Secured / FD-backed | Standard | FD-backed | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹6,300/yr | ₹1,600/yr | ₹3,510/yr |
| Travel | 5 pts per ₹150 spend → ₹83/mo (₹1,000/yr) | — | — |
| Top reward rate | 10X points | 2X reward points | Up to 1% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹500 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic + international · No minimum spend — show physical card at lounge (DreamFolks / Diners network) | 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) | Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap |
| Key exclusions | EMI · Fuel · Rent · Wallet | Not stated | Rent · Wallet loads · EMI |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/hdfc-diners-black-vs-idfc-ashva-gold-vs-slice-credit-cardMore HDFC Diners Club Black Metal comparisons
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