Side-by-side · honest numbers
IDFC Ashva Gold (FD) vs IndusInd Bank Pinnacle Credit Card vs IRCTC ICICI Bank Credit Card
Honest side-by-side comparison of IDFC Ashva Gold (FD), IndusInd Bank Pinnacle Credit Card, IRCTC ICICI Bank 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 IRCTC ICICI Bank Credit Card by about ₹537/yr.
| Feature | IDFC Ashva Gold (FD) IDFC FIRST Bank | IndusInd Bank Pinnacle Credit Card IndusInd Bank | IRCTC ICICI Bank Credit Card ICICI Bank |
|---|---|---|---|
| Annual fee | ₹0 | ₹10,000 | ₹0 |
| Min income (monthly) | Not stated | ₹75,000 | ₹20,000 |
| Top reward rate | 2X reward points | 3X points/₹150 | 10% reward points |
| Net annual value (moderate spend) | ₹1,600/yr | -₹6,550/yr | ₹1,063/yr |
| Secured / FD-backed | Yes | No | No |
| 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?
- IRCTC ICICI Bank 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.
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 | ICICI BankClassic IRCTC ICICI Bank Credit Card •••• •••• •••• 4242 Quick facts IRCTC ICICI Bank Credit Card Top reward10% reward points Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IRCTC ICICI Bank Credit Card ICICI Bank |
|---|---|---|---|
| Annual fee | ₹0 | ₹10,000 | ₹0 |
| Min income | Not stated | ₹75,000 | ₹20,000 |
| Top reward rate | 2X reward points | 3X points/₹150 | 10% reward points |
| Net value (moderate) | ₹1,600/yr | -₹6,550/yr | ₹1,063/yr |
| Secured / no bureau | FD-backed | Standard | Standard |
| Signup bonus | — | — | — |
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