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.

Side-by-side · honest numbers

HDFC MoneyBack+ Credit Card vs IDFC Ashva Gold (FD) vs Kotak League Platinum

Honest side-by-side comparison of HDFC MoneyBack+ Credit Card, IDFC Ashva Gold (FD), Kotak League Platinum — 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.

HDFC MoneyBack+ Credit Card vs IDFC Ashva Gold (FD) vs Kotak League Platinum comparison table
Feature	HDFC MoneyBack+ Credit Card HDFC Bank	IDFC Ashva Gold (FD) IDFC FIRST Bank	Kotak League Platinum Kotak Mahindra Bank
Annual fee	₹500	₹0	₹0
Min income (monthly)	₹20,000	Not stated	₹25,000
Top reward rate	10X points	2X reward points	2 RP/₹150
Net annual value (moderate spend)	₹690/yr	₹1,600/yr	₹590/yr
Secured / FD-backed	No	Yes	No
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.

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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	Kotak Mahindra BankPlatinum Kotak League Platinum •••• •••• •••• 4242 Quick facts Kotak League Platinum Top reward2 RP/₹150 Annual feeLifetime Free Min income₹25,000/mo Tap to flip back Kotak League Platinum Kotak Mahindra Bank
Annual fee	₹500	₹0	₹0
Min income	₹20,000	Not stated	₹25,000
Top reward rate	10X points	2X reward points	2 RP/₹150
Net value (moderate)	₹690/yr	₹1,600/yr	₹590/yr
Secured / no bureau	Standard	FD-backed	Standard
Signup bonus	₹500	—	—

HDFC MoneyBack+ Credit Card details →IDFC Ashva Gold (FD) details →Kotak League Platinum details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC MoneyBack+ Credit Card comparisons