IDFC FIRST Ashva vs SBI SimplySAVE Credit Card Compared
Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.
| Feature |  IDFC FIRST Ashva Credit CardIDFC First Bank7 recent changes → |  SBI SimplySAVE Credit CardState Bank of India4 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.83% on most spends | 0.17% base, up to 1.67% on dining | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | 0.83% | 0.17% | |
| Dining and food delivery | 0.83% | 1.67% | |
| Groceries | 0.83% | 1.67% | |
| Travel: flights, hotels, trains | 0.83% | 0.17% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 0.83% | 0.17% | |
| Rent | Not stated | Earns nothing | |
| Insurance premiums | 0.83% | 0.17% | |
| School and college fees | Not stated | 0.17% | |
| Wallet top-ups | Not stated | 0.17% | |
| Taxes and government payments | Not stated | Earns nothing | |
| Spend abroad or in a foreign currency | 0.33% | 0.17% | |
| Everything else | 0.83% | 0.17% | |
| Card identity | |||
| Card type | Rewards | Dining | |
| Networksame | Visa | Visa | |
| Card tier | Premium | Entry | |
| Fees | |||
| Joining fee | ₹2,999 + GST | ₹499 + GST | |
| Annual fee | ₹2,999 + GST | ₹499 + GST | |
| Fee waived at | - | ₹1,00,000 | |
| Eligibility | |||
| Min age | 21 years | - | |
| Employment typesame | BOTH | BOTH | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point valuesame | ₹0 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver cap | - | ₹100 | |
| Lounge access | |||
| Domestic lounge visits | 16 | - | |
| International lounge visits | 8 | - | |
| Lounge condition | Spend Rs 20,000 in the previous month for lounge access | - | |
| Forex and international | |||
| Forex markup | None | 3.5% | |
| Interest and charges | |||
| Interest rate (monthly) | - | 3.75% | |
| Interest rate (annual) | - | 45% | |
| Redemption | |||
| Redemption fee | ₹99 | - | |
| Page content | |||
| Documents needed | PAN card Aadhaar / address proof Income proof (salary slips or ITR) | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹1,992
- Fee a year
- - ₹3,539
- You keep
- - ₹1,547
- Rewards a year
- ₹1,320
- Fee a year
- ₹0
- You keep
- ₹1,320
At this spend, SBI SimplySAVE Credit Card comes out ₹2,867 a year ahead of IDFC FIRST Ashva Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.
Best For
- Frequent flyers
- People who spend abroad
- Monthly spenders above Rs 20,000
- First-time card users
- Families with regular grocery bills
- People who eat out often
Watch-Outs
- No stated way to waive the ₹2,999 fee
- Lounges and golf need Rs 20,000 monthly spend
- Base rate of about 0.83% is modest
- Needs around Rs 75,000 monthly income
- Very low rate outside 10X categories
- Accelerated points are capped monthly
- No lounge access
Card data sourced via CardAdvisor.in (IDFC FIRST Ashva Credit Card, SBI SimplySAVE Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, IDFC FIRST Ashva Credit Card or SBI SimplySAVE Credit Card?
SBI SimplySAVE Credit Card. SBI SimplySAVE Credit Card: ₹499; IDFC FIRST Ashva Credit Card: ₹2,999. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
IDFC FIRST Ashva Credit Card has the lowest forex markup. IDFC FIRST Ashva Credit Card: 0%; SBI SimplySAVE Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: IDFC FIRST Ashva Credit Card 0.83%, SBI SimplySAVE Credit Card 0.17%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
Can I hold more than one of these cards?
Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.
Work Out the Numbers
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Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹1,000 a Year in India (2026)Credit cards with an annual fee of ₹1,000 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
Credit CardsTata Neu HDFC Credit Card: Claim Your NeuCoins from 25 November 2026From 25 November 2026, NeuCoins earned on a Tata Neu HDFC Bank credit card no longer reach your Tata Neu account by themselves. You claim them in the Tata Neu App within 12 months, or they expire. Here is what changes, how to claim, and the dates that matter.Read the guide →- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
