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| Feature | American Express American Express SmartEarn Credit Card | HDFC Bank HDFC Bank MoneyBack+ Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | American Express | HDFC Bank |
| Network | Amex | Visa |
| Annual fee | ₹495 + GST per year | ₹500 + GST per year |
| Annual fee waiver | At ₹40,000 annual spending | At ₹50,000 annual spending |
| Base reward rate | 1% | 0.3% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | Lifestyle 10X pool: ₹250/month · Zomato and EaseMyTrip 10X pool: ₹250/month · Amazon 5X pool: ₹125/month | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Approx. ₹37,500/month salaried · ₹50,000/month self-employed | Approx. ₹20,000/month salaried · ₹50,000/month self-employed |
| Terms verified | 13 Sept 2026 | 13 Sept 2026 |
| Best suited to | Entry-level professionals wanting Amex customer service with accessible fee waivers. | Entry-level HDFC customers wanting a step above a lifetime-free card. |
| Main trade-off | New applications are temporarily paused. Amex offline merchant acceptance is lower than Visa or Mastercard, and monthly accelerator points are capped. | The accelerated 2.5% only applies to selected merchants: check the current list before assuming your regular spend qualifies. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
