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?

HDFC Regalia Gold leads with an estimated ₹5,556/yr net annual value on moderate spend.

Which card has the lower income requirement?

HDFC Regalia Gold lists a minimum monthly income of ₹50,000.

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 Regalia Gold vs ICICI Sapphiro Credit Card vs IDFC Ashva Gold (FD)

Honest side-by-side comparison of HDFC Regalia Gold, ICICI Sapphiro Credit Card, IDFC Ashva Gold (FD) — 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 Regalia Gold ranks first for estimated net annual value — ahead of ICICI Sapphiro Credit Card by about ₹2,000/yr.

HDFC Regalia Gold vs ICICI Sapphiro Credit Card vs IDFC Ashva Gold (FD) comparison table
Feature	HDFC Regalia Gold HDFC Bank	ICICI Sapphiro Credit Card ICICI Bank	IDFC Ashva Gold (FD) IDFC FIRST Bank
Annual fee	₹2,500	₹3,500	₹0
Min income (monthly)	₹50,000	₹75,000	Not stated
Top reward rate	4 RP/₹150	4 RP/₹100	2X reward points
Net annual value (moderate spend)	₹5,556/yr	₹3,556/yr	₹1,600/yr
Secured / FD-backed	No	No	Yes
Signup bonus	₹2,500	₹4,000	—

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?: HDFC Regalia Gold leads with an estimated ₹5,556/yr net annual value on moderate spend.
Which card has the lower income requirement?: HDFC Regalia Gold lists a minimum monthly income of ₹50,000.
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 BankPlatinum HDFC Regalia Gold •••• •••• •••• 4242 Quick facts HDFC Regalia Gold Top reward4 RP/₹150 Annual fee₹2,500 Min income₹50,000/mo Tap to flip back HDFC Regalia Gold HDFC Bank	ICICI BankPlatinum ICICI Sapphiro Credit Card •••• •••• •••• 4242 Quick facts ICICI Sapphiro Credit Card Top reward4 RP/₹100 Annual fee₹3,500 Min income₹75,000/mo Tap to flip back ICICI Sapphiro Credit Card ICICI 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
Annual fee	₹2,500	₹3,500	₹0
Min income	₹50,000	₹75,000	Not stated
Top reward rate	4 RP/₹150	4 RP/₹100	2X reward points
Net value (moderate)	₹5,556/yr	₹3,556/yr	₹1,600/yr
Secured / no bureau	Standard	Standard	FD-backed
Signup bonus	₹2,500	₹4,000	—

HDFC Regalia Gold details →ICICI Sapphiro Credit Card details →IDFC Ashva Gold (FD) details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC Regalia Gold comparisons