Side-by-side · honest numbers
IDFC Ashva Gold (FD) vs IDFC FIRST HPCL Power+ Credit Card vs YES ACE Credit Card
Honest side-by-side comparison of IDFC Ashva Gold (FD), IDFC FIRST HPCL Power+ Credit Card, YES ACE 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, YES ACE Credit Card ranks first for estimated net annual value — ahead of IDFC FIRST HPCL Power+ Credit Card by about ₹1,091/yr.
| Feature | IDFC Ashva Gold (FD) IDFC FIRST Bank | IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank | YES ACE Credit Card YES Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹499 | ₹499 |
| Fee waiver threshold | Lifetime free | Waived at ₹1,50,000/yr spend | No waiver published |
| 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 | ₹4,451/yr |
| Groceries (offline) | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — |
| Fuel | — | 30 pts per ₹150 spend → ₹200/mo (₹2,400/yr) | 4% cashback → ₹160/mo (₹1,920/yr) |
| Top reward rate | 2X reward points | 30 pts/₹150 | 4% cashback |
| Primary reward cap | No monthly cap published | ₹5,000 eligible spend/mo | ₹1,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Domestic lounge with FD ≥ ₹25K · FD-backed card — lounge tied to minimum ₹25,000 fixed deposit, not monthly spend | None | Domestic lounge visits (limited) · YES ACE lounge benefit is spend-linked — verify current threshold on YES Bank site |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Not stated | EMI · Rent · Wallet · Insurance | EMI · Rent |
| 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?
- YES ACE Credit Card leads with an estimated ₹4,451/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
YES ACE Credit Card
YES Bank
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 | YES BankGold YES ACE Credit Card •••• •••• •••• 4242 Quick facts YES ACE Credit Card Top reward4% cashback Annual fee₹499 Min income₹25,000/mo Tap to flip back YES ACE Credit Card YES Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹499 | ₹499 |
| Fee waiver threshold | Lifetime free | Waived at ₹1,50,000/yr spend | No waiver published |
| 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 | ₹4,451/yr |
| Groceries (offline) | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — |
| Fuel | — | 30 pts per ₹150 spend → ₹200/mo (₹2,400/yr) | 4% cashback → ₹160/mo (₹1,920/yr) |
| Top reward rate | 2X reward points | 30 pts/₹150 | 4% cashback |
| Primary reward cap | No monthly cap published | ₹5,000 eligible spend/mo | ₹1,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Domestic lounge with FD ≥ ₹25K · FD-backed card — lounge tied to minimum ₹25,000 fixed deposit, not monthly spend | None | Domestic lounge visits (limited) · YES ACE lounge benefit is spend-linked — verify current threshold on YES Bank site |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Not stated | EMI · Rent · Wallet · Insurance | EMI · Rent |
| Bonuses | |||
| Signup bonus | — | ₹500 | — |
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https://cardhungry.com/in/en/compare/idfc-ashva-gold-vs-idfc-hpcl-power-plus-vs-yes-aceMore IDFC Ashva Gold (FD) comparisons
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