Which card has the lower annual fee?

ICICI Platinum Chip has a ₹0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

ICICI Platinum Chip leads with an estimated -₹36/yr net annual value on moderate spend.

Which card has the lower income requirement?

ICICI Platinum Chip lists a minimum monthly income of ₹18,000.

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 Platinum Chip vs IDFC FIRST Ashva Credit Card

Honest side-by-side comparison of ICICI Platinum Chip, IDFC FIRST Ashva Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

ICICI Platinum Chip

ICICI Bank

Card 2

IDFC FIRST Ashva Credit Card

IDFC FIRST Bank

Your adjusted comparison

Feature	ICICI Platinum Chip ICICI Bank	IDFC FIRST Ashva Credit Card IDFC FIRST Bank
Fees & eligibility
Annual fee	Lifetime free	₹2,999
Fee waiver threshold	Lifetime free	No waiver published
Min income	₹18,000/mo	₹50,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹36/yr	-₹959/yr
Top reward rate	1 RP/₹150	5X reward points
Primary reward cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	None	4 domestic + 2 international airport lounge visits per quarter (+ railway lounges) · Lounge gated on ₹20,000 spend in the previous calendar month
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel	EMI · Rent · Wallet · Insurance
Bonuses
Signup bonus	—	—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

ICICI Platinum Chip details →IDFC FIRST Ashva Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, ICICI Platinum Chip leads IDFC FIRST Ashva Credit Card by about ₹923/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

ICICI Platinum Chip vs IDFC FIRST Ashva Credit Card comparison table
Feature	ICICI Platinum Chip ICICI Bank	IDFC FIRST Ashva Credit Card IDFC FIRST Bank
Fees & eligibility
Annual fee	Lifetime free	₹2,999
Fee waiver threshold	Lifetime free	No waiver published
Min income	₹18,000/mo	₹50,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹36/yr	-₹959/yr
Top reward rate	1 RP/₹150	5X reward points
Primary reward cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	None	4 domestic + 2 international airport lounge visits per quarter (+ railway lounges) · Lounge gated on ₹20,000 spend in the previous calendar month
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel	EMI · Rent · Wallet · Insurance
Bonuses
Signup bonus	—	—

Frequently asked questions

Which card has the lower annual fee?: ICICI Platinum Chip has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: ICICI Platinum Chip leads with an estimated -₹36/yr net annual value on moderate spend.
Which card has the lower income requirement?: ICICI Platinum Chip lists a minimum monthly income of ₹18,000.
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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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