Which card has the lower annual fee?

American Express Gold Card has the lowest annual fee at ₹4,500.

Which card earns more on moderate spend?

Amex Membership Rewards CC leads with an estimated -₹4,194/yr net annual value on moderate spend.

Which card has the lower income requirement?

American Express Gold Card lists a minimum monthly income of ₹60,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

American Express Gold Card vs Amex Membership Rewards CC

Honest side-by-side comparison of American Express Gold Card, Amex Membership Rewards CC — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

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Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

American Express Gold Card

American Express

Card 2

Amex Membership Rewards CC

American Express

Your adjusted comparison

Feature	American Express Gold Card American Express	Amex Membership Rewards CC American Express
Fees & eligibility
Annual fee	₹4,500	₹4,500
Fee waiver threshold	No waiver published	No waiver published
Min income	₹60,000/mo	₹60,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹4,350/yr	-₹4,194/yr
Dining & delivery	₹3,500 → 93 pts/mo × ₹0.50/pt = ₹46.67/mo (₹560/yr)	—
Top reward rate	4X Membership Rewards/₹150	2 RP/₹150
Primary reward cap	No monthly cap published	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Insurance	EMI · Fuel · Rent · Some small merchants
Bonuses
Signup bonus	₹4,000	₹4,000

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

American Express Gold Card details →Amex Membership Rewards CC details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Amex Membership Rewards CC leads American Express Gold Card by about ₹156/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

American Express Gold Card vs Amex Membership Rewards CC comparison table
Feature	American Express Gold Card American Express	Amex Membership Rewards CC American Express
Fees & eligibility
Annual fee	₹4,500	₹4,500
Fee waiver threshold	No waiver published	No waiver published
Min income	₹60,000/mo	₹60,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹4,350/yr	-₹4,194/yr
Dining & delivery	₹3,500 → 93 pts/mo × ₹0.50/pt = ₹46.67/mo (₹560/yr)	—
Top reward rate	4X Membership Rewards/₹150	2 RP/₹150
Primary reward cap	No monthly cap published	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Insurance	EMI · Fuel · Rent · Some small merchants
Bonuses
Signup bonus	₹4,000	₹4,000

Frequently asked questions

Which card has the lower annual fee?: American Express Gold Card has the lowest annual fee at ₹4,500.
Which card earns more on moderate spend?: Amex Membership Rewards CC leads with an estimated -₹4,194/yr net annual value on moderate spend.
Which card has the lower income requirement?: American Express Gold Card lists a minimum monthly income of ₹60,000.
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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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