Side-by-side · honest numbers
American Express Gold Card vs AU Zenith Credit Card vs IndusInd Bank Pinnacle Credit Card
Honest side-by-side comparison of American Express Gold Card, AU Zenith Credit Card, IndusInd Bank Pinnacle Credit Card — 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
Customize your spend
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.
American Express Gold Card
American Express
AU Zenith Credit Card
AU Small Finance Bank
IndusInd Bank Pinnacle Credit Card
IndusInd Bank
Your adjusted comparison
| Feature | American Express Gold Card American Express | AU Zenith Credit Card AU Small Finance Bank | IndusInd Bank Pinnacle Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,500 | ₹7,999 | ₹14,999 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | ₹60,000/mo | ₹75,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹4,350/yr | -₹8,478/yr | -₹15,689/yr |
| Dining & delivery | ₹3,500 → 93 pts/mo × ₹0.50/pt = ₹46.67/mo (₹560/yr) | — | — |
| Travel | — | ₹3,000 → 60 pts/mo × ₹0.50/pt = ₹30/mo (₹360/yr) | ₹3,000 → 60 pts/mo × ₹0.75/pt = ₹45/mo (₹540/yr) |
| Top reward rate | 4X Membership Rewards/₹150 | 3X points/₹150 | 3X points/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | 8 domestic airport lounge visits per year (2/quarter) · Domestic lounge gated on ₹20,000 spend per calendar quarter | 1 domestic + 1 international lounge visit per quarter · Spend gate of ₹1.5L/quarter applies from Apr 2026 for complimentary lounge |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Insurance | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹4,000 | — | — |
Share this comparison
https://cardhungry.com/in/en/compare/amex-gold-vs-au-zenith-vs-indusind-pinnacleReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, American Express Gold Card ranks first for estimated net annual value — ahead of AU Zenith Credit Card by about ₹4,128/yr.
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
| Feature | American Express Gold Card American Express | AU Zenith Credit Card AU Small Finance Bank | IndusInd Bank Pinnacle Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,500 | ₹7,999 | ₹14,999 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | ₹60,000/mo | ₹75,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹4,350/yr | -₹8,478/yr | -₹15,689/yr |
| Dining & delivery | ₹3,500 → 93 pts/mo × ₹0.50/pt = ₹46.67/mo (₹560/yr) | — | — |
| Travel | — | ₹3,000 → 60 pts/mo × ₹0.50/pt = ₹30/mo (₹360/yr) | ₹3,000 → 60 pts/mo × ₹0.75/pt = ₹45/mo (₹540/yr) |
| Top reward rate | 4X Membership Rewards/₹150 | 3X points/₹150 | 3X points/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | 8 domestic airport lounge visits per year (2/quarter) · Domestic lounge gated on ₹20,000 spend per calendar quarter | 1 domestic + 1 international lounge visit per quarter · Spend gate of ₹1.5L/quarter applies from Apr 2026 for complimentary lounge |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Insurance | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹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?
- American Express Gold Card leads with an estimated -₹4,350/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.
More American Express Gold Card comparisons
- American Express Gold Card vs 811 Dream Different Credit Card
- American Express Gold Card vs AU Altura Credit Card
- American Express Gold Card vs AU Altura+ Credit Card
- American Express Gold Card vs AU LIT Credit Card
- American Express Gold Card vs American Express Platinum Travel Card
- American Express Gold Card vs American Express SmartEarn Credit Card
- American Express Gold Card vs Amex Membership Rewards CC
- American Express Gold Card vs Axis Bank ACE Credit Card
- American Express Gold Card vs Axis Bank Airtel Credit Card
- American Express Gold Card vs Axis Bank Atlas Credit Card
- American Express Gold Card vs Axis Bank Flipkart Credit Card
- American Express Gold Card vs Axis Bank Magnus Credit Card