Side-by-side · honest numbers
IDFC Ashva Gold (FD) vs SBI Card PRIME vs YES Bank Marquee Credit Card
Honest side-by-side comparison of IDFC Ashva Gold (FD), SBI Card PRIME, YES Bank Marquee 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 SBI Card PRIME by about ₹99/yr.
| Feature | IDFC Ashva Gold (FD) IDFC FIRST Bank | SBI Card PRIME SBI Card | YES Bank Marquee Credit Card YES Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹2,999 | ₹999 |
| Fee waiver threshold | Lifetime free | ₹5,00,000/yr | No waiver published |
| Min income | Not stated | ₹45,000/mo | ₹40,000/mo |
| Secured / FD-backed | FD-backed | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,600/yr | ₹1,501/yr | -₹29/yr |
| Travel | — | 6 pts per ₹150 spend → ₹50/mo (₹600/yr) | 4 pts per ₹150 spend → ₹33/mo (₹400/yr) |
| Top reward rate | 2X reward points | 4X reward points | 4 RP/₹150 |
| 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 | Domestic lounge visits per year — verify count | Domestic lounge access · Mid-tier YES card — lounge often requires prior-month spend; check YES Bank T&Cs |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Not stated | Fuel · Rent · Wallet · EMI | EMI · Fuel · Rent |
| 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?
- IDFC Ashva Gold (FD) leads with an estimated ₹1,600/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- YES Bank Marquee Credit Card lists a minimum monthly income of ₹40,000.
- 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 PRIME
SBI Card
YES Bank Marquee Credit Card
YES 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 | SBI CardPlatinum SBI Card PRIME •••• •••• •••• 4242 Quick facts SBI Card PRIME Top reward4X reward points Annual fee₹2,999 Min income₹45,000/mo Tap to flip back SBI Card PRIME SBI Card | YES BankPlatinum YES Bank Marquee Credit Card •••• •••• •••• 4242 Quick facts YES Bank Marquee Credit Card Top reward4 RP/₹150 Annual fee₹999 Min income₹40,000/mo Tap to flip back YES Bank Marquee Credit Card YES Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹2,999 | ₹999 |
| Fee waiver threshold | Lifetime free | ₹5,00,000/yr | No waiver published |
| Min income | Not stated | ₹45,000/mo | ₹40,000/mo |
| Secured / FD-backed | FD-backed | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,600/yr | ₹1,501/yr | -₹29/yr |
| Travel | — | 6 pts per ₹150 spend → ₹50/mo (₹600/yr) | 4 pts per ₹150 spend → ₹33/mo (₹400/yr) |
| Top reward rate | 2X reward points | 4X reward points | 4 RP/₹150 |
| 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 | Domestic lounge visits per year — verify count | Domestic lounge access · Mid-tier YES card — lounge often requires prior-month spend; check YES Bank T&Cs |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Not stated | Fuel · Rent · Wallet · EMI | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹3,000 | — |
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https://cardhungry.com/in/en/compare/idfc-ashva-gold-vs-sbi-prime-vs-yes-marqueeMore IDFC Ashva Gold (FD) comparisons
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