Side-by-side · honest numbers
HDFC MoneyBack+ Credit Card vs IDFC Ashva Gold (FD) vs IndusInd Bank Crest Credit Card
Honest side-by-side comparison of HDFC MoneyBack+ Credit Card, IDFC Ashva Gold (FD), IndusInd Bank Crest 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 HDFC MoneyBack+ Credit Card by about ₹910/yr.
| Feature | HDFC MoneyBack+ Credit Card HDFC Bank | IDFC Ashva Gold (FD) IDFC FIRST Bank | IndusInd Bank Crest Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | Lifetime free | ₹5,000 |
| Fee waiver threshold | No waiver published | Lifetime free | Waived at ₹4,00,000/yr spend |
| Min income | ₹20,000/mo | Not stated | ₹50,000/mo |
| Secured / FD-backed | Standard | FD-backed | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹690/yr | ₹1,600/yr | ₹80/yr |
| Online shopping | 10 pts per ₹150 spend → ₹42/mo (₹500/yr) (cap hit) | — | — |
| Travel | — | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) |
| Top reward rate | 10X points | 2X reward points | 2X reward points |
| Primary reward cap | ₹2,500 eligible spend/mo | 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 | Domestic lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | Not stated | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹500 | — | — |
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?
- HDFC MoneyBack+ 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.
HDFC MoneyBack+ Credit Card
HDFC Bank
IDFC Ashva Gold (FD)
IDFC FIRST Bank
IndusInd Bank Crest Credit Card
IndusInd Bank
Your adjusted comparison
| Feature | HDFC BankClassic HDFC MoneyBack+ Credit Card •••• •••• •••• 4242 Quick facts HDFC MoneyBack+ Credit Card Top reward10X points Annual fee₹500 Min income₹20,000/mo Tap to flip back HDFC MoneyBack+ 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 | IndusInd BankPlatinum IndusInd Bank Crest Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Crest Credit Card Top reward2X reward points Annual fee₹5,000 Min income₹50,000/mo Tap to flip back IndusInd Bank Crest Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | Lifetime free | ₹5,000 |
| Fee waiver threshold | No waiver published | Lifetime free | Waived at ₹4,00,000/yr spend |
| Min income | ₹20,000/mo | Not stated | ₹50,000/mo |
| Secured / FD-backed | Standard | FD-backed | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹690/yr | ₹1,600/yr | ₹80/yr |
| Online shopping | 10 pts per ₹150 spend → ₹42/mo (₹500/yr) (cap hit) | — | — |
| Travel | — | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) |
| Top reward rate | 10X points | 2X reward points | 2X reward points |
| Primary reward cap | ₹2,500 eligible spend/mo | 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 | Domestic lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | Not stated | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹500 | — | — |
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https://cardhungry.com/in/en/compare/hdfc-moneyback-plus-vs-idfc-ashva-gold-vs-indusind-crestMore HDFC MoneyBack+ Credit Card comparisons
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