Which card has the lower annual fee?

ICICI Amazon Pay Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

ICICI Amazon Pay Credit Card leads with an estimated ₹7,830/yr net annual value on moderate spend.

Which card has the lower income requirement?

IndusInd Bank Platinum 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

ICICI Amazon Pay Credit Card vs IDFC Ashva Gold (FD) vs IndusInd Bank Platinum Credit Card

Honest side-by-side comparison of ICICI Amazon Pay Credit Card, IDFC Ashva Gold (FD), IndusInd Bank Platinum 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, ICICI Amazon Pay Credit Card ranks first for estimated net annual value — ahead of IDFC Ashva Gold (FD) by about ₹6,230/yr.

ICICI Amazon Pay Credit Card vs IDFC Ashva Gold (FD) vs IndusInd Bank Platinum Credit Card comparison table
Feature	ICICI Amazon Pay Credit Card ICICI Bank	IDFC Ashva Gold (FD) IDFC FIRST Bank	IndusInd Bank Platinum Credit Card IndusInd Bank
Fees & eligibility
Annual fee	Lifetime free	Lifetime free	Lifetime free
Fee waiver threshold	Lifetime free	Lifetime free	Lifetime free
Min income	₹25,000/mo	Not stated	₹20,000/mo
Secured / FD-backed	Standard	FD-backed	Standard
Rewards
Net annual value (moderate)	₹7,830/yr	₹1,600/yr	-₹20/yr
Online shopping	5% cashback → ₹500/mo (₹6,000/yr)	—	—
Top reward rate	5%	2X reward points	1 reward point/₹150
Primary reward cap	No monthly cap published	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	None	Domestic lounge with FD ≥ ₹25K · FD-backed card — lounge tied to minimum ₹25,000 fixed deposit, not monthly spend	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet · Jewellery	Not stated	EMI · Fuel · Rent
Bonuses
Signup bonus	—	—	—

Frequently asked questions

Which card has the lower annual fee?: ICICI Amazon Pay Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: ICICI Amazon Pay Credit Card leads with an estimated ₹7,830/yr net annual value on moderate spend.
Which card has the lower income requirement?: IndusInd Bank Platinum 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

ICICI Amazon Pay Credit Card

ICICI Bank

Card 2

IDFC Ashva Gold (FD)

IDFC FIRST Bank

Card 3

IndusInd Bank Platinum Credit Card

IndusInd Bank

Your adjusted comparison

Feature	ICICI BankGold ICICI Amazon Pay Credit Card •••• •••• •••• 4242 Quick facts ICICI Amazon Pay Credit Card Top reward5% Annual feeLifetime Free Min income₹25,000/mo Tap to flip back ICICI Amazon Pay 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	IndusInd BankPlatinum IndusInd Bank Platinum Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Platinum Credit Card Top reward1 reward point/₹150 Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IndusInd Bank Platinum Credit Card IndusInd Bank
Fees & eligibility
Annual fee	Lifetime free	Lifetime free	Lifetime free
Fee waiver threshold	Lifetime free	Lifetime free	Lifetime free
Min income	₹25,000/mo	Not stated	₹20,000/mo
Secured / FD-backed	Standard	FD-backed	Standard
Rewards
Net annual value (moderate)	₹7,830/yr	₹1,600/yr	-₹20/yr
Online shopping	5% cashback → ₹500/mo (₹6,000/yr)	—	—
Top reward rate	5%	2X reward points	1 reward point/₹150
Primary reward cap	No monthly cap published	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	None	Domestic lounge with FD ≥ ₹25K · FD-backed card — lounge tied to minimum ₹25,000 fixed deposit, not monthly spend	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet · Jewellery	Not stated	EMI · Fuel · Rent
Bonuses
Signup bonus	—	—	—

ICICI Amazon Pay Credit Card details →IDFC Ashva Gold (FD) details →IndusInd Bank Platinum Credit Card details →

Share this comparison

https://cardhungry.com/in/en/compare/icici-amazon-pay-vs-idfc-ashva-gold-vs-indusind-platinum

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More ICICI Amazon Pay Credit Card comparisons