Side-by-side · honest numbers
IDFC Ashva Gold (FD) vs SBI Card against Fixed Deposit vs Standard Chartered Ultimate Credit Card
Honest side-by-side comparison of IDFC Ashva Gold (FD), SBI Card against Fixed Deposit, Standard Chartered Ultimate 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, Standard Chartered Ultimate Credit Card ranks first for estimated net annual value — ahead of SBI Card against Fixed Deposit by about ₹3,190/yr.
| Feature | IDFC Ashva Gold (FD) IDFC FIRST Bank | SBI Card against Fixed Deposit SBI Card | Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|---|
| Annual fee | ₹0 | ₹0 | ₹5,000 |
| Min income (monthly) | Not stated | Not stated | ₹60,000 |
| Top reward rate | 2X reward points | 80% of FD value | 5% |
| Net annual value (moderate spend) | ₹1,600/yr | ₹1,770/yr | ₹4,960/yr |
| Secured / FD-backed | Yes | Yes | 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?
- Standard Chartered Ultimate Credit Card leads with an estimated ₹4,960/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Standard Chartered Ultimate Credit Card lists a minimum monthly income of ₹60,000.
- Which cards are secured (FD-backed)?
- IDFC Ashva Gold (FD), SBI Card against Fixed Deposit are 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 | SBI CardClassic SBI Card against Fixed Deposit •••• •••• •••• 4242 Quick facts SBI Card against Fixed Deposit Top reward80% of FD value Annual feeLifetime Free Tap to flip back SBI Card against Fixed Deposit SBI Card | Standard CharteredPlatinum Standard Chartered Ultimate Credit Card •••• •••• •••• 4242 Quick facts Standard Chartered Ultimate Credit Card Top reward5% Annual fee₹5,000 Min income₹60,000/mo Tap to flip back Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|---|
| Annual fee | ₹0 | ₹0 | ₹5,000 |
| Min income | Not stated | Not stated | ₹60,000 |
| Top reward rate | 2X reward points | 80% of FD value | 5% |
| Net value (moderate) | ₹1,600/yr | ₹1,770/yr | ₹4,960/yr |
| Secured / no bureau | FD-backed | FD-backed | Standard |
| Signup bonus | — | — | — |
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