Side-by-side · honest numbers
IDFC Ashva Gold (FD) vs IDFC FIRST WOW Credit Card vs SBI Card against Fixed Deposit
Honest side-by-side comparison of IDFC Ashva Gold (FD), IDFC FIRST WOW Credit Card, SBI Card against Fixed Deposit — 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 Card against Fixed Deposit ranks first for estimated net annual value — ahead of IDFC Ashva Gold (FD) by about ₹170/yr.
| Feature | IDFC Ashva Gold (FD) IDFC FIRST Bank | IDFC FIRST WOW Credit Card IDFC FIRST Bank | SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| Annual fee | ₹0 | ₹0 | ₹0 |
| Min income (monthly) | Not stated | Not stated | Not stated |
| Top reward rate | 2X reward points | 1X reward points | 80% of FD value |
| Net annual value (moderate spend) | ₹1,600/yr | ₹800/yr | ₹1,770/yr |
| Secured / FD-backed | Yes | Yes | Yes |
| Signup bonus | — | — | — |
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?
- SBI Card against Fixed Deposit leads with an estimated ₹1,770/yr net annual value on moderate spend.
- 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.
Your adjusted comparison
| Feature | 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 | IDFC FIRST BankClassic IDFC FIRST WOW Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST WOW Credit Card Top reward1X reward points Annual feeLifetime Free Tap to flip back IDFC FIRST WOW Credit Card IDFC FIRST Bank | SBI CardClassic SBI Card against Fixed Deposit •••• •••• •••• 4242 Quick facts SBI Card against Fixed Deposit Top reward80% of FD value Annual feeLifetime Free Tap to flip back SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| Annual fee | ₹0 | ₹0 | ₹0 |
| Min income | Not stated | Not stated | Not stated |
| Top reward rate | 2X reward points | 1X reward points | 80% of FD value |
| Net value (moderate) | ₹1,600/yr | ₹800/yr | ₹1,770/yr |
| Secured / no bureau | FD-backed | FD-backed | FD-backed |
| Signup bonus | — | — | — |
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