Idfc Ashva Gold vs Sbi Fd Secured — कौन सा बेहतर? (2026)
Idfc Ashva Gold और Sbi Fd Secured की विस्तृत तुलना — rewards, fees, eligibility। Winner ranked by net value on a moderate spend profile — fees and caps included.
Updated 21 जून 2026·2 cards · 3 min scan·CardHungry
Top pick · SBI Card against Fixed Deposit
Net / yr
₹1,440
Annual fee
Free
Return
0.4%
Comparison
Net annual value · moderate spend
Comparison winner: SBI Card against Fixed Deposit, ₹1,440 per year net
SBI Card against Fixed Deposit
SBI Card
Net / yr
₹1,440
Fee
Free
Top
80% of FD value
- ✓Wins this head-to-head — about ₹1,440/yr net after fees on typical spends.
- ✓Best for credit limit — 80% of FD value.
SBI Card against Fixed Deposit
SBI Card
Net / yr
₹1,440
Fee
Free
Top
80% of FD value
- ✓Wins this head-to-head — about ₹1,440/yr net after fees on typical spends.
- ✓Best for credit limit — 80% of FD value.
IDFC FIRST Ashva Credit Card
IDFC FIRST Bank
Net / yr
-₹959
Fee
₹2,999
Top
5X reward points
- ✓Strong runner-up at -₹959/yr net — roughly ₹2,399 behind #1 on the same spend mix.
- ✓Best for up to ₹20k/mo — 5X reward points.
Why the other card ranks lower
Ranked by net annual value on a moderate spend profile. Each line ties to issuer T&Cs, fees, caps, and your eligibility band. How we calculate NAV
- Strong runner-up at -₹959/yr net — roughly ₹2,399 behind #1 on the same spend mix.
- Best for up to ₹20k/mo — 5X reward points.
- Especially for मेटल कार्ड चाहने वाले.
2IDFC FIRST Ashva Credit CardIDFC FIRST Bank
- Strong runner-up at -₹959/yr net — roughly ₹2,399 behind #1 on the same spend mix.
- Best for up to ₹20k/mo — 5X reward points.
- Especially for मेटल कार्ड चाहने वाले.
Full review →Net / yr
-₹959
Why each card ranks here
Ranked by net annual value on a moderate spend profile. Each line ties to issuer T&Cs, fees, caps, and your eligibility band. How we calculate NAV
- Wins this head-to-head — about ₹1,440/yr net after fees on typical spends.
- Best for credit limit — 80% of FD value.
- No annual fee — what you earn isn't eaten by membership cost.
1SBI Card against Fixed DepositSBI Card
- Wins this head-to-head — about ₹1,440/yr net after fees on typical spends.
- Best for credit limit — 80% of FD value.
- No annual fee — what you earn isn't eaten by membership cost.
Full review →Net / yr
₹1,440
- Strong runner-up at -₹959/yr net — roughly ₹2,399 behind #1 on the same spend mix.
- Best for up to ₹20k/mo — 5X reward points.
- Especially for मेटल कार्ड चाहने वाले.
2IDFC FIRST Ashva Credit CardIDFC FIRST Bank
- Strong runner-up at -₹959/yr net — roughly ₹2,399 behind #1 on the same spend mix.
- Best for up to ₹20k/mo — 5X reward points.
- Especially for मेटल कार्ड चाहने वाले.
Full review →Net / yr
-₹959
Net value snapshot
Rewards minus annual fee on your spend profile
- #1SBI Card against Fixed Deposit₹1,440#1SBI Card against Fixed Deposit₹1,440
- #2IDFC FIRST Ashva Credit Card-₹959#2IDFC FIRST Ashva Credit Card-₹959
Before you apply
कोई भी सबके लिए नहीं जीतता
idfc ashva gold vs sbi fd secured — बेहतर कार्ड आपके खर्च पर निर्भर करता है। हेडलाइन % नहीं, अपने प्रोफ़ाइल पर नेट वैल्यू देखें।
कैप और बहिष्कृत खर्च देखें
विजेता चुनने से पहले मासिक रिवॉर्ड कैप और बाहर की कैटेगरी (रेंट, वॉलेट, EMI) तुलना करें।
पहले एक के लिए आवेदन करें
हर आवेदन पर CIBIL इन्क्वायरी लगती है। अपने खर्च के लीडर को चुनें, दूसरे पर बाद में विचार करें।
Frequently asked questions
Idfc Ashva Gold or Sbi Fd Secured — which is better?+
Neither wins universally. Compare net annual value on your specific spends using our comparison tool. Idfc Ashva Gold may win for one profile; Sbi Fd Secured for another.
Can I apply for both cards?+
Possible, but multiple applications close together hurt approval odds. Apply to the best fit first; wait 3–6 months for a second card.
Do these cards have joining fees?+
Varies by channel and variant. See each product page on CardHungry for current joining and annual fees before applying.
How often is this comparison updated?+
Reward rates and fees are re-verified against issuer T&Cs periodically. Net value figures use CardHungry's calculator with current rules.
Is there a third card I should consider?+
Often yes. Our quiz surfaces a third option optimised for your income and spends — not just these two.
Full written guide
Methodology, tables, eligibility & fine print · ~8 min read
Full written guide
Methodology, tables, eligibility & fine print · ~8 min read
IDFC FIRST Ashva Credit Card vs SBI Card against Fixed Deposit — which credit card is better in 2026? This in-depth comparison covers reward rules, monthly caps, exclusions, annual fees, forex costs, eligibility, and net annual value across light, moderate, and heavy spend profiles. No sponsored ranking: every number comes from CardHungry's transparent calculator.
On this page
- At-a-glance table
- Net value by spend
- Reward rules
- Benefits
- IDFC FIRST Ashva Credit Card
- SBI Card against Fixed Deposit
- Exclusions compared
- Who should pick which
- Spend scenarios
- Before you apply
At-a-glance comparison
| Factor | IDFC FIRST Ashva Credit Card | SBI Card against Fixed Deposit |
|---|---|---|
| Issuer | IDFC FIRST Bank | SBI Card |
| Annual fee | ₹2,999 | Lifetime free |
| Min income | ₹50,000/mo | — |
| Top reward | 5X reward points | 80% of FD value |
| Forex markup | 1% | 3.5% |
| Secured option | No | Yes |
| Moderate NAV winner | SBI Card against Fixed Deposit | — |
Net annual value by spend profile
| Profile | IDFC FIRST Ashva Credit Card | SBI Card against Fixed Deposit |
|---|---|---|
| Light spender net value | -₹2,389 | ₹780 |
| Moderate spender net value | -₹959 | ₹1,440 |
| Heavy spender net value | ₹1,881 | ₹2,220 |
Reward rules compared
| Rule | IDFC FIRST Ashva Credit Card | SBI Card against Fixed Deposit |
|---|---|---|
| Reward rule 1 | all: 5X | all: 0.5% |
Benefits compared
IDFC FIRST Ashva Credit Card
- Metal card
- Airport + railway lounge access
- Accelerated rewards
SBI Card against Fixed Deposit
- FD-backed from ₹20K
- 80% of FD as limit
- No income proof
IDFC FIRST Ashva Credit Card — full breakdown
IDFC FIRST Ashva Credit Card
Issuer: IDFC FIRST Bank · Tier: Metal · Annual fee: ₹2,999
Premium metal card
Eligibility snapshot
- Min monthly income (salaried): ₹50,000
- Secured / FD-backed: No — standard unsecured
- Approval note: Indicative only. CIBIL checked by bank at application, not by CardHungry.
Reward structure
- all: 5X points
Headline highlight: 5X reward points on Up to ₹20K/mo
Net value estimate (moderate spend profile)
- Gross annual rewards: ₹2,700
- Annual fee: −₹3,539
- Forex markup cost (est.): −₹120 (1% on international spends)
- Net annual value: -₹959 (-0.26% effective return)
Key benefits
- Metal card
- Airport + railway lounge access
- Accelerated rewards
Exclusions & fine print
Typically excluded or reduced: EMI, Rent, Wallet, Insurance.
Best for: मेटल कार्ड चाहने वाले · एयरपोर्ट + रेलवे लाउंज · ₹50K+ आय
Read full IDFC FIRST Ashva Credit Card review with spend simulator →
SBI Card against Fixed Deposit — full breakdown
SBI Card against Fixed Deposit
Issuer: SBI Card · Tier: Classic · Annual fee: Lifetime free
SBI secured card
Eligibility snapshot
- Min monthly income (salaried): Not stated publicly
- Secured / FD-backed: Yes (min FD ₹20,000)
- Approval note: Indicative only. CIBIL checked by bank at application, not by CardHungry.
Reward structure
- all: 0.5% cashback
Headline highlight: 80% of FD value on Credit limit
Net value estimate (moderate spend profile)
- Gross annual rewards: ₹1,860
- Annual fee: −₹0
- Forex markup cost (est.): −₹420 (3.5% on international spends)
- Net annual value: ₹1,440 (0.39% effective return)
Key benefits
- FD-backed from ₹20K
- 80% of FD as limit
- No income proof
Exclusions & fine print
Typically excluded or reduced: .
Best for: SBI के साथ क्रेडिट बिल्डिंग · कोई CIBIL इतिहास नहीं · न्यूनतम FD ₹20,000
Read full SBI Card against Fixed Deposit review with spend simulator →
Exclusions compared
| Typically excluded | IDFC FIRST Ashva Credit Card | SBI Card against Fixed Deposit |
|---|---|---|
| Common | EMI, Rent, Wallet, Insurance |
Who should pick which?
- Pick IDFC FIRST Ashva Credit Card if your spend pattern aligns with its highest-rate categories and you meet income criteria.
- Pick SBI Card against Fixed Deposit if its caps, fee structure, or partner merchants match your wallet better.
- Pick neither yet if both net values are under ₹2,000/year on your spends — a third option may win (see quiz).
Spend scenario cheat sheet
- Heavy online shopper: Compare online category rates and caps first.
- Bill-pay heavy: Check utilities and telecom MCC eligibility.
- Travel / forex: Weight forex markup as heavily as reward rate.
- Fee-averse: If both NAV differences are under ₹1,000/yr, choose the free card.
Before you apply
CardHungry never pulls CIBIL. Use our interactive comparison or quiz for a third alternative. One application at a time; wait 3–6 months between rejections.
Your spends are different
These picks use the moderate profile above. Edit spends to re-rank this page, or take CardHungry's quiz — no CIBIL pull.
CardHungry is a third-party recommendation platform, not a bank or credit bureau. Approval estimates are indicative based on public eligibility criteria. Reward calculations use issuer T&Cs and may change. We earn commission if you are approved — at no cost to you.