Side-by-side · honest numbers
IDFC Ashva Gold (FD) vs IDFC FIRST HPCL Power+ Credit Card vs SBI Cashback Credit Card
Honest side-by-side comparison of IDFC Ashva Gold (FD), IDFC FIRST HPCL Power+ Credit Card, 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 FIRST HPCL Power+ Credit Card by about ₹3,390/yr.
| Feature | IDFC Ashva Gold (FD) IDFC FIRST Bank | IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank | SBI Cashback Credit Card SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹499 | ₹999 |
| Fee waiver threshold | Lifetime free | Waived at ₹1,50,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | Not stated | ₹20,000/mo | ₹25,000/mo |
| Secured / FD-backed | FD-backed | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,600/yr | ₹3,360/yr | ₹6,750/yr |
| Online shopping | — | — | 5% cashback → ₹500/mo (₹6,000/yr) |
| Groceries (offline) | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — |
| Fuel | — | 30 pts per ₹150 spend → ₹200/mo (₹2,400/yr) | — |
| Top reward rate | 2X reward points | 30 pts/₹150 | 5% |
| Primary reward cap | No monthly cap published | ₹5,000 eligible spend/mo | ₹2,000 rewards/mo cap |
| Perks & restrictions | |||
| Lounge access | Domestic lounge with FD ≥ ₹25K · FD-backed card — lounge tied to minimum ₹25,000 fixed deposit, not monthly spend | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Not stated | EMI · Rent · Wallet · Insurance | Fuel · Utilities · Insurance · Rent · Wallet loads |
| Bonuses | |||
| Signup bonus | — | ₹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?
- SBI Cashback Credit Card leads with an estimated ₹6,750/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IDFC FIRST HPCL Power+ Credit Card lists a minimum monthly income of ₹20,000.
- 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.
IDFC Ashva Gold (FD)
IDFC FIRST Bank
IDFC FIRST HPCL Power+ Credit Card
IDFC FIRST Bank
SBI Cashback Credit Card
SBI Card
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 BankGold IDFC FIRST HPCL Power+ Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST HPCL Power+ Credit Card Top reward30 pts/₹150 Annual fee₹499 Min income₹20,000/mo Tap to flip back IDFC FIRST HPCL Power+ Credit Card 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 |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹499 | ₹999 |
| Fee waiver threshold | Lifetime free | Waived at ₹1,50,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | Not stated | ₹20,000/mo | ₹25,000/mo |
| Secured / FD-backed | FD-backed | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,600/yr | ₹3,360/yr | ₹6,750/yr |
| Online shopping | — | — | 5% cashback → ₹500/mo (₹6,000/yr) |
| Groceries (offline) | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — |
| Fuel | — | 30 pts per ₹150 spend → ₹200/mo (₹2,400/yr) | — |
| Top reward rate | 2X reward points | 30 pts/₹150 | 5% |
| Primary reward cap | No monthly cap published | ₹5,000 eligible spend/mo | ₹2,000 rewards/mo cap |
| Perks & restrictions | |||
| Lounge access | Domestic lounge with FD ≥ ₹25K · FD-backed card — lounge tied to minimum ₹25,000 fixed deposit, not monthly spend | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Not stated | EMI · Rent · Wallet · Insurance | Fuel · Utilities · Insurance · Rent · Wallet loads |
| Bonuses | |||
| Signup bonus | — | ₹500 | — |
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https://cardhungry.com/in/en/compare/idfc-ashva-gold-vs-idfc-hpcl-power-plus-vs-sbi-cashbackMore IDFC Ashva Gold (FD) comparisons
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