Side-by-side · honest numbers
HDFC Regalia Gold vs IDFC Ashva Gold (FD) vs SBI Card ELITE
Honest side-by-side comparison of HDFC Regalia Gold, IDFC Ashva Gold (FD), SBI Card ELITE — 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 SBI Card ELITE by about ₹3,855/yr.
| Feature | HDFC Regalia Gold HDFC Bank | IDFC Ashva Gold (FD) IDFC FIRST Bank | SBI Card ELITE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹2,500 | Lifetime free | ₹4,999 |
| Fee waiver threshold | Waived at ₹4,00,000/yr spend | Lifetime free | ₹10,00,000/yr |
| Min income | ₹50,000/mo | Not stated | ₹60,000/mo |
| Secured / FD-backed | Standard | FD-backed | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,556/yr | ₹1,600/yr | ₹1,701/yr |
| Travel | — | — | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) |
| Top reward rate | 4 RP/₹150 | 2X reward points | 5X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Up to 2 lounge vouchers/quarter · ₹1,00,000 spend per calendar quarter — generate voucher on Regalia SmartBuy (intl PP separate) | Domestic lounge with FD ≥ ₹25K · FD-backed card — lounge tied to minimum ₹25,000 fixed deposit, not monthly spend | 8 complimentary domestic lounge visits per year · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | Not stated | Fuel · Rent · Wallet · EMI · Government |
| Bonuses | |||
| Signup bonus | ₹2,500 | — | ₹5,000 |
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.
HDFC Regalia Gold
HDFC Bank
IDFC Ashva Gold (FD)
IDFC FIRST Bank
SBI Card ELITE
SBI Card
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 | 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 | SBI CardPlatinum SBI Card ELITE •••• •••• •••• 4242 Quick facts SBI Card ELITE Top reward5X reward points Annual fee₹4,999 Min income₹60,000/mo Tap to flip back SBI Card ELITE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹2,500 | Lifetime free | ₹4,999 |
| Fee waiver threshold | Waived at ₹4,00,000/yr spend | Lifetime free | ₹10,00,000/yr |
| Min income | ₹50,000/mo | Not stated | ₹60,000/mo |
| Secured / FD-backed | Standard | FD-backed | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,556/yr | ₹1,600/yr | ₹1,701/yr |
| Travel | — | — | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) |
| Top reward rate | 4 RP/₹150 | 2X reward points | 5X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Up to 2 lounge vouchers/quarter · ₹1,00,000 spend per calendar quarter — generate voucher on Regalia SmartBuy (intl PP separate) | Domestic lounge with FD ≥ ₹25K · FD-backed card — lounge tied to minimum ₹25,000 fixed deposit, not monthly spend | 8 complimentary domestic lounge visits per year · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | Not stated | Fuel · Rent · Wallet · EMI · Government |
| Bonuses | |||
| Signup bonus | ₹2,500 | — | ₹5,000 |
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