Side-by-side · honest numbers
American Express Gold Card vs HDFC Bharat Cashback Credit Card vs ICICI Bank MakeMyTrip Credit Card
Honest side-by-side comparison of American Express Gold Card, HDFC Bharat Cashback Credit Card, ICICI Bank MakeMyTrip Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, HDFC Bharat Cashback Credit Card ranks first for estimated net annual value — ahead of ICICI Bank MakeMyTrip Credit Card by about ₹1,530/yr.
| Feature | American Express Gold Card American Express | HDFC Bharat Cashback Credit Card HDFC Bank | ICICI Bank MakeMyTrip Credit Card ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,500 | Lifetime free | ₹999 |
| Fee waiver threshold | No waiver published | Lifetime free | Waived at ₹3,00,000/yr spend |
| Min income | ₹60,000/mo | ₹15,000/mo | ₹35,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹570/yr | ₹5,430/yr | ₹3,900/yr |
| Dining & delivery | 4 pts per ₹150 spend → ₹53/mo (₹640/yr) | — | — |
| Fuel | — | 5% cashback → ₹200/mo (₹2,400/yr) | — |
| Travel | — | — | 15 pts per ₹150 spend → ₹125/mo (₹1,500/yr) |
| Top reward rate | 4X Membership Rewards/₹150 | 5% cashback | 10X reward points |
| Primary reward cap | No monthly cap published | ₹250 rewards/mo cap | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Insurance | EMI · Rent · Wallet loads · Insurance | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹4,000 | — | ₹1,500 |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC Bharat Cashback Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- HDFC Bharat Cashback Credit Card leads with an estimated ₹5,430/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HDFC Bharat Cashback Credit Card lists a minimum monthly income of ₹15,000.
- 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
Change spend profile or swap cards — results update live below.
American Express Gold Card
American Express
HDFC Bharat Cashback Credit Card
HDFC Bank
ICICI Bank MakeMyTrip Credit Card
ICICI Bank
Your adjusted comparison
| Feature | American ExpressGold American Express Gold Card •••• •••• •••• 4242 Quick facts American Express Gold Card Top reward4X Membership Rewards/₹150 Annual fee₹4,500 Min income₹60,000/mo Tap to flip back American Express Gold Card American Express | HDFC BankClassic HDFC Bharat Cashback Credit Card •••• •••• •••• 4242 Quick facts HDFC Bharat Cashback Credit Card Top reward5% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back HDFC Bharat Cashback Credit Card HDFC Bank | ICICI BankPlatinum ICICI Bank MakeMyTrip Credit Card •••• •••• •••• 4242 Quick facts ICICI Bank MakeMyTrip Credit Card Top reward10X reward points Annual fee₹999 Min income₹35,000/mo Tap to flip back ICICI Bank MakeMyTrip Credit Card ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,500 | Lifetime free | ₹999 |
| Fee waiver threshold | No waiver published | Lifetime free | Waived at ₹3,00,000/yr spend |
| Min income | ₹60,000/mo | ₹15,000/mo | ₹35,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹570/yr | ₹5,430/yr | ₹3,900/yr |
| Dining & delivery | 4 pts per ₹150 spend → ₹53/mo (₹640/yr) | — | — |
| Fuel | — | 5% cashback → ₹200/mo (₹2,400/yr) | — |
| Travel | — | — | 15 pts per ₹150 spend → ₹125/mo (₹1,500/yr) |
| Top reward rate | 4X Membership Rewards/₹150 | 5% cashback | 10X reward points |
| Primary reward cap | No monthly cap published | ₹250 rewards/mo cap | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Insurance | EMI · Rent · Wallet loads · Insurance | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹4,000 | — | ₹1,500 |
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https://cardhungry.com/in/en/compare/amex-gold-vs-hdfc-bharat-vs-icici-makemytripMore American Express Gold Card comparisons
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