Side-by-side · honest numbers
IDFC Ashva Gold (FD) vs Kotak Royale Signature Credit Card vs Kotak White Credit Card
Honest side-by-side comparison of IDFC Ashva Gold (FD), Kotak Royale Signature Credit Card, Kotak White 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 Kotak Royale Signature Credit Card by about ₹1,460/yr.
| Feature | IDFC Ashva Gold (FD) IDFC FIRST Bank | Kotak Royale Signature Credit Card Kotak Mahindra Bank | Kotak White Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹999 | ₹3,000 |
| Fee waiver threshold | Lifetime free | Waived at ₹1,00,000/yr spend | Waived at ₹4,00,000/yr spend |
| Min income | Not stated | ₹25,000/mo | ₹50,000/mo |
| Secured / FD-backed | FD-backed | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,600/yr | ₹140/yr | ₹80/yr |
| Fuel | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — |
| Travel | — | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) |
| Top reward rate | 2X reward points | 2X reward points | 2X 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 | Limited domestic lounge visits — verify on issuer site | Domestic lounge access — verify visit count on issuer site |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Not stated | EMI · Rent · Wallet | EMI · Fuel · Rent |
| 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?
- Kotak Royale Signature Credit Card lists a minimum monthly income of ₹25,000.
- 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
Kotak Royale Signature Credit Card
Kotak Mahindra Bank
Kotak White Credit Card
Kotak Mahindra 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 | Kotak Mahindra BankSignature Kotak Royale Signature Credit Card •••• •••• •••• 4242 Quick facts Kotak Royale Signature Credit Card Top reward2X reward points Annual fee₹999 Min income₹25,000/mo Tap to flip back Kotak Royale Signature Credit Card Kotak Mahindra Bank | Kotak Mahindra BankPlatinum Kotak White Credit Card •••• •••• •••• 4242 Quick facts Kotak White Credit Card Top reward2X reward points Annual fee₹3,000 Min income₹50,000/mo Tap to flip back Kotak White Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹999 | ₹3,000 |
| Fee waiver threshold | Lifetime free | Waived at ₹1,00,000/yr spend | Waived at ₹4,00,000/yr spend |
| Min income | Not stated | ₹25,000/mo | ₹50,000/mo |
| Secured / FD-backed | FD-backed | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,600/yr | ₹140/yr | ₹80/yr |
| Fuel | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — |
| Travel | — | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) |
| Top reward rate | 2X reward points | 2X reward points | 2X 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 | Limited domestic lounge visits — verify on issuer site | Domestic lounge access — verify visit count on issuer site |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Not stated | EMI · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/idfc-ashva-gold-vs-kotak-royale-vs-kotak-whiteMore IDFC Ashva Gold (FD) comparisons
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