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?

IDFC Ashva Gold (FD) leads with an estimated ₹1,600/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.

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 Platinum Chip vs IDFC Ashva Gold (FD) vs IRCTC ICICI Bank Credit Card

Honest side-by-side comparison of ICICI Platinum Chip, IDFC Ashva Gold (FD), IRCTC ICICI Bank 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, IDFC Ashva Gold (FD) ranks first for estimated net annual value — ahead of IRCTC ICICI Bank Credit Card by about ₹537/yr.

ICICI Platinum Chip vs IDFC Ashva Gold (FD) vs IRCTC ICICI Bank Credit Card comparison table
Feature	ICICI Platinum Chip ICICI Bank	IDFC Ashva Gold (FD) IDFC FIRST Bank	IRCTC ICICI Bank Credit Card ICICI Bank
Annual fee	₹0	₹0	₹0
Min income (monthly)	₹18,000	Not stated	₹20,000
Top reward rate	1 RP/₹150	2X reward points	10% reward points
Net annual value (moderate spend)	-₹142/yr	₹1,600/yr	₹1,063/yr
Secured / FD-backed	No	Yes	No
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?: IDFC Ashva Gold (FD) leads with an estimated ₹1,600/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.
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.

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Your adjusted comparison

Feature	ICICI BankClassic ICICI Platinum Chip •••• •••• •••• 4242 Quick facts ICICI Platinum Chip Top reward1 RP/₹150 Annual feeLifetime Free Min income₹18,000/mo Tap to flip back ICICI Platinum Chip 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	ICICI BankClassic IRCTC ICICI Bank Credit Card •••• •••• •••• 4242 Quick facts IRCTC ICICI Bank Credit Card Top reward10% reward points Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IRCTC ICICI Bank Credit Card ICICI Bank
Annual fee	₹0	₹0	₹0
Min income	₹18,000	Not stated	₹20,000
Top reward rate	1 RP/₹150	2X reward points	10% reward points
Net value (moderate)	-₹142/yr	₹1,600/yr	₹1,063/yr
Secured / no bureau	Standard	FD-backed	Standard
Signup bonus	—	—	—

ICICI Platinum Chip details →IDFC Ashva Gold (FD) details →IRCTC ICICI Bank Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More ICICI Platinum Chip comparisons