Side-by-side · honest numbers
IDFC Ashva Gold (FD) vs SBI Card ELITE vs Standard Chartered Smart Card
Honest side-by-side comparison of IDFC Ashva Gold (FD), SBI Card ELITE, Standard Chartered Smart 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, Standard Chartered Smart Card ranks first for estimated net annual value — ahead of SBI Card ELITE by about ₹2,030/yr.
| Feature | IDFC Ashva Gold (FD) IDFC FIRST Bank | SBI Card ELITE SBI Card | Standard Chartered Smart Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹4,999 | ₹499 |
| Fee waiver threshold | Lifetime free | ₹10,00,000/yr | No waiver published |
| Min income | Not stated | ₹60,000/mo | ₹30,000/mo |
| Secured / FD-backed | FD-backed | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,600/yr | ₹1,701/yr | ₹3,731/yr |
| Online shopping | — | — | 2% cashback → ₹200/mo (₹2,400/yr) |
| Travel | — | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) | — |
| Top reward rate | 2X reward points | 5X reward points | 2% cashback |
| 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 | 8 complimentary domestic lounge visits per year · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Not stated | Fuel · Rent · Wallet · EMI · Government | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹5,000 | — |
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?
- Standard Chartered Smart Card leads with an estimated ₹3,731/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Standard Chartered Smart 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
SBI Card ELITE
SBI Card
Standard Chartered Smart Card
Standard Chartered
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 | SBI CardPlatinum SBI Card ELITE •••• •••• •••• 4242 Quick facts SBI Card ELITE Top reward5X reward points Annual fee₹4,999 Min income₹60,000/mo Tap to flip back SBI Card ELITE SBI Card | Standard CharteredGold Standard Chartered Smart Card •••• •••• •••• 4242 Quick facts Standard Chartered Smart Card Top reward2% cashback Annual fee₹499 Min income₹30,000/mo Tap to flip back Standard Chartered Smart Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹4,999 | ₹499 |
| Fee waiver threshold | Lifetime free | ₹10,00,000/yr | No waiver published |
| Min income | Not stated | ₹60,000/mo | ₹30,000/mo |
| Secured / FD-backed | FD-backed | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,600/yr | ₹1,701/yr | ₹3,731/yr |
| Online shopping | — | — | 2% cashback → ₹200/mo (₹2,400/yr) |
| Travel | — | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) | — |
| Top reward rate | 2X reward points | 5X reward points | 2% cashback |
| 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 | 8 complimentary domestic lounge visits per year · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Not stated | Fuel · Rent · Wallet · EMI · Government | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹5,000 | — |
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https://cardhungry.com/in/en/compare/idfc-ashva-gold-vs-sbi-elite-vs-sc-smartMore IDFC Ashva Gold (FD) comparisons
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