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?

Swiggy HDFC Bank Credit Card leads with an estimated ₹12,150/yr net annual value on moderate spend.

Which card has the lower income requirement?

Swiggy HDFC Bank Credit Card lists a minimum monthly income of ₹25,000.

Which cards are secured (FD-backed)?

IDFC Ashva Gold (FD), IDFC FIRST WOW Credit Card are 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

Swiggy HDFC Bank Credit Card vs IDFC Ashva Gold (FD) vs IDFC FIRST WOW Credit Card

Honest side-by-side comparison of Swiggy HDFC Bank Credit Card, IDFC Ashva Gold (FD), IDFC FIRST WOW 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, Swiggy HDFC Bank Credit Card ranks first for estimated net annual value — ahead of IDFC Ashva Gold (FD) by about ₹10,550/yr.

Swiggy HDFC Bank Credit Card vs IDFC Ashva Gold (FD) vs IDFC FIRST WOW Credit Card comparison table
Feature	Swiggy HDFC Bank Credit Card HDFC Bank	IDFC Ashva Gold (FD) IDFC FIRST Bank	IDFC FIRST WOW Credit Card IDFC FIRST Bank
Annual fee	₹500	₹0	₹0
Min income (monthly)	₹25,000	Not stated	Not stated
Top reward rate	10%	2X reward points	1X reward points
Net annual value (moderate spend)	₹12,150/yr	₹1,600/yr	₹800/yr
Secured / FD-backed	No	Yes	Yes
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?: Swiggy HDFC Bank Credit Card leads with an estimated ₹12,150/yr net annual value on moderate spend.
Which card has the lower income requirement?: Swiggy HDFC Bank Credit Card lists a minimum monthly income of ₹25,000.
Which cards are secured (FD-backed)?: IDFC Ashva Gold (FD), IDFC FIRST WOW Credit Card are 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 BankGold Swiggy HDFC Bank Credit Card •••• •••• •••• 4242 Quick facts Swiggy HDFC Bank Credit Card Top reward10% Annual fee₹500 Min income₹25,000/mo Tap to flip back Swiggy HDFC Bank 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	IDFC FIRST BankClassic IDFC FIRST WOW Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST WOW Credit Card Top reward1X reward points Annual feeLifetime Free Tap to flip back IDFC FIRST WOW Credit Card IDFC FIRST Bank
Annual fee	₹500	₹0	₹0
Min income	₹25,000	Not stated	Not stated
Top reward rate	10%	2X reward points	1X reward points
Net value (moderate)	₹12,150/yr	₹1,600/yr	₹800/yr
Secured / no bureau	Standard	FD-backed	FD-backed
Signup bonus	—	—	—

Swiggy HDFC Bank Credit Card details →IDFC Ashva Gold (FD) details →IDFC FIRST WOW Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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