Side-by-side · honest numbers
IDFC Ashva Gold (FD) vs IndusInd Bank Pinnacle Credit Card vs IndusInd Bank Tiger Credit Card
Honest side-by-side comparison of IDFC Ashva Gold (FD), IndusInd Bank Pinnacle Credit Card, IndusInd Bank Tiger 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 IndusInd Bank Tiger Credit Card by about ₹1,620/yr.
| Feature | IDFC Ashva Gold (FD) IDFC FIRST Bank | IndusInd Bank Pinnacle Credit Card IndusInd Bank | IndusInd Bank Tiger Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹10,000 | Lifetime free |
| Fee waiver threshold | Lifetime free | No waiver published | Lifetime free |
| Min income | Not stated | ₹75,000/mo | ₹20,000/mo |
| Secured / FD-backed | FD-backed | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,600/yr | -₹7,075/yr | -₹20/yr |
| Travel | — | 3 pts per ₹150 spend → ₹75/mo (₹900/yr) | — |
| Top reward rate | 2X reward points | 3X points/₹150 | 1 reward point/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Domestic lounge with FD ≥ ₹25K · FD-backed card — lounge tied to minimum ₹25,000 fixed deposit, not monthly spend | Unlimited domestic lounge access · No quarterly spend gate stated — complimentary with Pinnacle tier | 2 complimentary domestic lounge visits per quarter · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Not stated | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet loads |
| Bonuses | |||
| 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?
- IDFC Ashva Gold (FD) leads with an estimated ₹1,600/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IndusInd Bank Tiger 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
IndusInd Bank Pinnacle Credit Card
IndusInd Bank
IndusInd Bank Tiger Credit Card
IndusInd 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 | IndusInd BankPlatinum IndusInd Bank Pinnacle Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Pinnacle Credit Card Top reward3X points/₹150 Annual fee₹10,000 Min income₹75,000/mo Tap to flip back IndusInd Bank Pinnacle Credit Card IndusInd Bank | IndusInd BankGold IndusInd Bank Tiger Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Tiger Credit Card Top reward1 reward point/₹150 Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IndusInd Bank Tiger Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹10,000 | Lifetime free |
| Fee waiver threshold | Lifetime free | No waiver published | Lifetime free |
| Min income | Not stated | ₹75,000/mo | ₹20,000/mo |
| Secured / FD-backed | FD-backed | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,600/yr | -₹7,075/yr | -₹20/yr |
| Travel | — | 3 pts per ₹150 spend → ₹75/mo (₹900/yr) | — |
| Top reward rate | 2X reward points | 3X points/₹150 | 1 reward point/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Domestic lounge with FD ≥ ₹25K · FD-backed card — lounge tied to minimum ₹25,000 fixed deposit, not monthly spend | Unlimited domestic lounge access · No quarterly spend gate stated — complimentary with Pinnacle tier | 2 complimentary domestic lounge visits per quarter · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Not stated | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet loads |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/idfc-ashva-gold-vs-indusind-pinnacle-vs-indusind-tigerMore IDFC Ashva Gold (FD) comparisons
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