Side-by-side · honest numbers
IDFC Ashva Gold (FD) vs IRCTC ICICI Bank Credit Card vs SBI Card MILES
Honest side-by-side comparison of IDFC Ashva Gold (FD), IRCTC ICICI Bank Credit Card, SBI Card MILES — 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 MILES ranks first for estimated net annual value — ahead of IDFC Ashva Gold (FD) by about ₹1,690/yr.
| Feature | IDFC Ashva Gold (FD) IDFC FIRST Bank | IRCTC ICICI Bank Credit Card ICICI Bank | SBI Card MILES SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | Lifetime free | ₹1,499 |
| Fee waiver threshold | Lifetime free | Lifetime free | Waived at ₹3,00,000/yr spend |
| Min income | Not stated | ₹20,000/mo | ₹35,000/mo |
| Secured / FD-backed | FD-backed | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,600/yr | ₹880/yr | ₹3,290/yr |
| Travel | — | 10 pts per ₹150 spend → ₹83/mo (₹1,000/yr) | 9 pts per ₹150 spend → ₹75/mo (₹900/yr) |
| Top reward rate | 2X reward points | 10% reward points | 6X reward points |
| 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 | Complimentary railway lounge access at select IRCTC partner stations · Railway lounge benefit — no spend milestone in public T&Cs | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Not stated | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | — | — | ₹2,000 |
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 MILES leads with an estimated ₹3,290/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.
IDFC Ashva Gold (FD)
IDFC FIRST Bank
IRCTC ICICI Bank Credit Card
ICICI Bank
SBI Card MILES
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 | 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 | SBI CardPlatinum SBI Card MILES •••• •••• •••• 4242 Quick facts SBI Card MILES Top reward6X reward points Annual fee₹1,499 Min income₹35,000/mo Tap to flip back SBI Card MILES SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | Lifetime free | ₹1,499 |
| Fee waiver threshold | Lifetime free | Lifetime free | Waived at ₹3,00,000/yr spend |
| Min income | Not stated | ₹20,000/mo | ₹35,000/mo |
| Secured / FD-backed | FD-backed | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,600/yr | ₹880/yr | ₹3,290/yr |
| Travel | — | 10 pts per ₹150 spend → ₹83/mo (₹1,000/yr) | 9 pts per ₹150 spend → ₹75/mo (₹900/yr) |
| Top reward rate | 2X reward points | 10% reward points | 6X reward points |
| 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 | Complimentary railway lounge access at select IRCTC partner stations · Railway lounge benefit — no spend milestone in public T&Cs | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Not stated | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | — | — | ₹2,000 |
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https://cardhungry.com/in/en/compare/idfc-ashva-gold-vs-irctc-icici-vs-sbi-card-milesMore IDFC Ashva Gold (FD) comparisons
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