Side-by-side · honest numbers
IDFC Ashva Gold (FD) vs Kotak Urbane Gold Credit Card vs RBL World Safari
Honest side-by-side comparison of IDFC Ashva Gold (FD), Kotak Urbane Gold Credit Card, RBL World Safari — 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, RBL World Safari ranks first for estimated net annual value — ahead of IDFC Ashva Gold (FD) by about ₹368/yr.
| Feature | IDFC Ashva Gold (FD) IDFC FIRST Bank | Kotak Urbane Gold Credit Card Kotak Mahindra Bank | RBL World Safari RBL Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹1,999 | ₹3,000 |
| Fee waiver threshold | Lifetime free | Waived at ₹2,00,000/yr spend | No waiver published |
| Min income | Not stated | ₹30,000/mo | ₹50,000/mo |
| Secured / FD-backed | FD-backed | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,600/yr | ₹140/yr | ₹1,968/yr |
| Dining & delivery | — | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) | — |
| Travel | — | — | 4 pts per ₹150 spend → ₹40/mo (₹480/yr) |
| Top reward rate | 2X reward points | 3X reward points | 4X 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 | None | 2 domestic/quarter + 2 intl/year (Priority Pass) · ₹35,000/quarter retail spend for domestic lounge from Jul 2025; bonus PP visit at ₹50k/quarter |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Not stated | EMI · Fuel · Rent | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹3,000 |
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?
- RBL World Safari leads with an estimated ₹1,968/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Kotak Urbane Gold Credit Card lists a minimum monthly income of ₹30,000.
- 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 Urbane Gold Credit Card
Kotak Mahindra Bank
RBL World Safari
RBL 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 BankGold Kotak Urbane Gold Credit Card •••• •••• •••• 4242 Quick facts Kotak Urbane Gold Credit Card Top reward3X reward points Annual fee₹1,999 Min income₹30,000/mo Tap to flip back Kotak Urbane Gold Credit Card Kotak Mahindra Bank | RBL BankPlatinum RBL World Safari •••• •••• •••• 4242 Quick facts RBL World Safari Top reward4X points Annual fee₹3,000 Min income₹50,000/mo Tap to flip back RBL World Safari RBL Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹1,999 | ₹3,000 |
| Fee waiver threshold | Lifetime free | Waived at ₹2,00,000/yr spend | No waiver published |
| Min income | Not stated | ₹30,000/mo | ₹50,000/mo |
| Secured / FD-backed | FD-backed | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,600/yr | ₹140/yr | ₹1,968/yr |
| Dining & delivery | — | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) | — |
| Travel | — | — | 4 pts per ₹150 spend → ₹40/mo (₹480/yr) |
| Top reward rate | 2X reward points | 3X reward points | 4X 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 | None | 2 domestic/quarter + 2 intl/year (Priority Pass) · ₹35,000/quarter retail spend for domestic lounge from Jul 2025; bonus PP visit at ₹50k/quarter |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Not stated | EMI · Fuel · Rent | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹3,000 |
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https://cardhungry.com/in/en/compare/idfc-ashva-gold-vs-kotak-urbane-vs-rbl-world-safariMore IDFC Ashva Gold (FD) comparisons
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