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?

811 Dream Different Credit Card leads with an estimated ₹8,330/yr net annual value on moderate spend.

Which card has the lower income requirement?

811 Dream Different 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

Tata Neu Plus HDFC Bank Credit Card vs IDFC Ashva Gold (FD) vs 811 Dream Different Credit Card

Honest side-by-side comparison of Tata Neu Plus HDFC Bank Credit Card, IDFC Ashva Gold (FD), 811 Dream Different 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, 811 Dream Different Credit Card ranks first for estimated net annual value — ahead of Tata Neu Plus HDFC Bank Credit Card by about ₹4,801/yr.

Tata Neu Plus HDFC Bank Credit Card vs IDFC Ashva Gold (FD) vs 811 Dream Different Credit Card comparison table
Feature	Tata Neu Plus HDFC Bank Credit Card HDFC Bank	IDFC Ashva Gold (FD) IDFC FIRST Bank	811 Dream Different Credit Card Kotak Mahindra Bank
Annual fee	₹499	₹0	₹0
Min income (monthly)	₹25,000	Not stated	₹20,000
Top reward rate	5% NeuCoins	2X reward points	5%
Net annual value (moderate spend)	₹3,529/yr	₹1,600/yr	₹8,330/yr
Secured / FD-backed	No	Yes	No
Signup bonus	₹499	—	₹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?: 811 Dream Different Credit Card leads with an estimated ₹8,330/yr net annual value on moderate spend.
Which card has the lower income requirement?: 811 Dream Different 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.

Card 1

Card 2

Card 3

Your adjusted comparison

Feature	HDFC BankGold Tata Neu Plus HDFC Bank Credit Card •••• •••• •••• 4242 Quick facts Tata Neu Plus HDFC Bank Credit Card Top reward5% NeuCoins Annual fee₹499 Min income₹25,000/mo Tap to flip back Tata Neu Plus 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	Kotak Mahindra BankGold 811 Dream Different Credit Card •••• •••• •••• 4242 Quick facts 811 Dream Different Credit Card Top reward5% Annual feeLifetime Free Min income₹20,000/mo Tap to flip back 811 Dream Different Credit Card Kotak Mahindra Bank
Annual fee	₹499	₹0	₹0
Min income	₹25,000	Not stated	₹20,000
Top reward rate	5% NeuCoins	2X reward points	5%
Net value (moderate)	₹3,529/yr	₹1,600/yr	₹8,330/yr
Secured / no bureau	Standard	FD-backed	Standard
Signup bonus	₹499	—	₹500

Tata Neu Plus HDFC Bank Credit Card details →IDFC Ashva Gold (FD) details →811 Dream Different Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Tata Neu Plus HDFC Bank Credit Card comparisons