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?

SBI Cashback Credit Card leads with an estimated ₹6,750/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 SBI Cashback Credit Card

Honest side-by-side comparison of ICICI Platinum Chip, IDFC Ashva Gold (FD), SBI Cashback 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, SBI Cashback Credit Card ranks first for estimated net annual value — ahead of IDFC Ashva Gold (FD) by about ₹5,150/yr.

ICICI Platinum Chip vs IDFC Ashva Gold (FD) vs SBI Cashback Credit Card comparison table
Feature	ICICI Platinum Chip ICICI Bank	IDFC Ashva Gold (FD) IDFC FIRST Bank	SBI Cashback Credit Card SBI Card
Annual fee	₹0	₹0	₹999
Min income (monthly)	₹18,000	Not stated	₹25,000
Top reward rate	1 RP/₹150	2X reward points	5%
Net annual value (moderate spend)	-₹142/yr	₹1,600/yr	₹6,750/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?: SBI Cashback Credit Card leads with an estimated ₹6,750/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	SBI CardGold SBI Cashback Credit Card •••• •••• •••• 4242 Quick facts SBI Cashback Credit Card Top reward5% Annual fee₹999 Min income₹25,000/mo Tap to flip back SBI Cashback Credit Card SBI Card
Annual fee	₹0	₹0	₹999
Min income	₹18,000	Not stated	₹25,000
Top reward rate	1 RP/₹150	2X reward points	5%
Net value (moderate)	-₹142/yr	₹1,600/yr	₹6,750/yr
Secured / no bureau	Standard	FD-backed	Standard
Signup bonus	—	—	—

ICICI Platinum Chip details →IDFC Ashva Gold (FD) details →SBI Cashback Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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