Side-by-side · honest numbers
HSBC Cashback Credit Card vs IDFC Ashva Gold (FD) vs OneCard Metal Credit Card
Honest side-by-side comparison of HSBC Cashback Credit Card, IDFC Ashva Gold (FD), OneCard Metal 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, HSBC Cashback Credit Card ranks first for estimated net annual value — ahead of OneCard Metal Credit Card by about ₹3,981/yr.
| Feature | HSBC Cashback Credit Card HSBC | IDFC Ashva Gold (FD) IDFC FIRST Bank | OneCard Metal Credit Card OneCard (BOB/FPL) |
|---|---|---|---|
| Annual fee | ₹999 | ₹0 | ₹0 |
| Min income (monthly) | ₹40,000 | Not stated | ₹15,000 |
| Top reward rate | 10% | 2X reward points | 1% cashback |
| Net annual value (moderate spend) | ₹7,941/yr | ₹1,600/yr | ₹3,960/yr |
| Secured / FD-backed | No | Yes | No |
| 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?
- HSBC Cashback Credit Card leads with an estimated ₹7,941/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- OneCard Metal Credit Card lists a minimum monthly income of ₹15,000.
- 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.
Your adjusted comparison
| Feature | HSBCGold HSBC Cashback Credit Card •••• •••• •••• 4242 Quick facts HSBC Cashback Credit Card Top reward10% Annual fee₹999 Min income₹40,000/mo Tap to flip back HSBC Cashback Credit Card HSBC | 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 | OneCard (BOB/FPL)Metal OneCard Metal Credit Card •••• •••• •••• 4242 Quick facts OneCard Metal Credit Card Top reward1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back OneCard Metal Credit Card OneCard (BOB/FPL) |
|---|---|---|---|
| Annual fee | ₹999 | ₹0 | ₹0 |
| Min income | ₹40,000 | Not stated | ₹15,000 |
| Top reward rate | 10% | 2X reward points | 1% cashback |
| Net value (moderate) | ₹7,941/yr | ₹1,600/yr | ₹3,960/yr |
| Secured / no bureau | Standard | FD-backed | Standard |
| Signup bonus | — | — | — |
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