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?

ICICI Bank MakeMyTrip Credit Card leads with an estimated ₹3,900/yr net annual value on moderate spend.

Which card has the lower income requirement?

Standard Chartered Smart Card lists a minimum monthly income of ₹30,000.

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 Bank MakeMyTrip Credit Card vs IDFC Ashva Gold (FD) vs Standard Chartered Smart Card

Honest side-by-side comparison of ICICI Bank MakeMyTrip Credit Card, IDFC Ashva Gold (FD), Standard Chartered Smart 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 Bank MakeMyTrip Credit Card ranks first for estimated net annual value — ahead of Standard Chartered Smart Card by about ₹169/yr.

ICICI Bank MakeMyTrip Credit Card vs IDFC Ashva Gold (FD) vs Standard Chartered Smart Card comparison table
Feature	ICICI Bank MakeMyTrip Credit Card ICICI Bank	IDFC Ashva Gold (FD) IDFC FIRST Bank	Standard Chartered Smart Card Standard Chartered
Fees & eligibility
Annual fee	₹999	Lifetime free	₹499
Fee waiver threshold	Waived at ₹3,00,000/yr spend	Lifetime free	No waiver published
Min income	₹35,000/mo	Not stated	₹30,000/mo
Secured / FD-backed	Standard	FD-backed	Standard
Rewards
Net annual value (moderate)	₹3,900/yr	₹1,600/yr	₹3,731/yr
Online shopping	—	—	2% cashback → ₹200/mo (₹2,400/yr)
Travel	15 pts per ₹150 spend → ₹125/mo (₹1,500/yr)	—	—
Top reward rate	10X reward points	2X reward points	2% cashback
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	Not stated	EMI · Fuel · Rent
Bonuses
Signup bonus	₹1,500	—	—

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?: ICICI Bank MakeMyTrip Credit Card leads with an estimated ₹3,900/yr net annual value on moderate spend.
Which card has the lower income requirement?: Standard Chartered Smart Card lists a minimum monthly income of ₹30,000.
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 Bank MakeMyTrip Credit Card

ICICI Bank

Card 2

IDFC Ashva Gold (FD)

IDFC FIRST Bank

Card 3

Standard Chartered Smart Card

Standard Chartered

Your adjusted comparison

Feature	ICICI BankPlatinum ICICI Bank MakeMyTrip Credit Card •••• •••• •••• 4242 Quick facts ICICI Bank MakeMyTrip Credit Card Top reward10X reward points Annual fee₹999 Min income₹35,000/mo Tap to flip back ICICI Bank MakeMyTrip 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	Standard CharteredGold Standard Chartered Smart Card •••• •••• •••• 4242 Quick facts Standard Chartered Smart Card Top reward2% cashback Annual fee₹499 Min income₹30,000/mo Tap to flip back Standard Chartered Smart Card Standard Chartered
Fees & eligibility
Annual fee	₹999	Lifetime free	₹499
Fee waiver threshold	Waived at ₹3,00,000/yr spend	Lifetime free	No waiver published
Min income	₹35,000/mo	Not stated	₹30,000/mo
Secured / FD-backed	Standard	FD-backed	Standard
Rewards
Net annual value (moderate)	₹3,900/yr	₹1,600/yr	₹3,731/yr
Online shopping	—	—	2% cashback → ₹200/mo (₹2,400/yr)
Travel	15 pts per ₹150 spend → ₹125/mo (₹1,500/yr)	—	—
Top reward rate	10X reward points	2X reward points	2% cashback
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	Not stated	EMI · Fuel · Rent
Bonuses
Signup bonus	₹1,500	—	—

ICICI Bank MakeMyTrip Credit Card details →IDFC Ashva Gold (FD) details →Standard Chartered Smart Card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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