Side-by-side · honest numbers
Amex Membership Rewards CC vs American Express SmartEarn Credit Card vs Axis Bank Flipkart Credit Card
Honest side-by-side comparison of Amex Membership Rewards CC, American Express SmartEarn Credit Card, Axis Bank Flipkart 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, Axis Bank Flipkart Credit Card ranks first for estimated net annual value — ahead of American Express SmartEarn Credit Card by about ₹4,310/yr.
| Feature | Amex Membership Rewards CC American Express | American Express SmartEarn Credit Card American Express | Axis Bank Flipkart Credit Card Axis Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,500 | ₹495 | ₹500 |
| Fee waiver threshold | No waiver published | Waived at ₹40,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹60,000/mo | ₹25,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹822/yr | ₹1,650/yr | ₹5,960/yr |
| Online shopping | — | 5 pts per ₹25 spend → ₹25/mo (₹300/yr) (cap hit) | 5% cashback → ₹200/mo (₹2,400/yr) (cap hit) |
| Top reward rate | 2 RP/₹150 | 10X Membership Rewards | 5% |
| Primary reward cap | No monthly cap published | ₹500 eligible spend/mo | ₹4,000 eligible spend/mo |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Some small merchants | Fuel · Insurance · Utilities · EMI · Rent | EMI · Fuel · Rent · Wallet · Insurance |
| Bonuses | |||
| Signup bonus | ₹4,000 | — | ₹500 |
Frequently asked questions
- Which card has the lower annual fee?
- American Express SmartEarn Credit Card has the lowest annual fee at ₹495.
- Which card earns more on moderate spend?
- Axis Bank Flipkart Credit Card leads with an estimated ₹5,960/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- American Express SmartEarn Credit Card lists a minimum monthly income of ₹25,000.
- 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.
Amex Membership Rewards CC
American Express
American Express SmartEarn Credit Card
American Express
Axis Bank Flipkart Credit Card
Axis Bank
Your adjusted comparison
| Feature | American ExpressPlatinum Amex Membership Rewards CC •••• •••• •••• 4242 Quick facts Amex Membership Rewards CC Top reward2 RP/₹150 Annual fee₹4,500 Min income₹60,000/mo Tap to flip back Amex Membership Rewards CC American Express | American ExpressGold American Express SmartEarn Credit Card •••• •••• •••• 4242 Quick facts American Express SmartEarn Credit Card Top reward10X Membership Rewards Annual fee₹495 Min income₹25,000/mo Tap to flip back American Express SmartEarn Credit Card American Express | Axis BankGold Axis Bank Flipkart Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Flipkart Credit Card Top reward5% Annual fee₹500 Min income₹25,000/mo Tap to flip back Axis Bank Flipkart Credit Card Axis Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,500 | ₹495 | ₹500 |
| Fee waiver threshold | No waiver published | Waived at ₹40,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹60,000/mo | ₹25,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹822/yr | ₹1,650/yr | ₹5,960/yr |
| Online shopping | — | 5 pts per ₹25 spend → ₹25/mo (₹300/yr) (cap hit) | 5% cashback → ₹200/mo (₹2,400/yr) (cap hit) |
| Top reward rate | 2 RP/₹150 | 10X Membership Rewards | 5% |
| Primary reward cap | No monthly cap published | ₹500 eligible spend/mo | ₹4,000 eligible spend/mo |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Some small merchants | Fuel · Insurance · Utilities · EMI · Rent | EMI · Fuel · Rent · Wallet · Insurance |
| Bonuses | |||
| Signup bonus | ₹4,000 | — | ₹500 |
Share this comparison
https://cardhungry.com/in/en/compare/amex-mrcc-vs-amex-smartearn-vs-axis-flipkartMore Amex Membership Rewards CC comparisons
- Amex Membership Rewards CC vs 811 Dream Different Credit Card
- Amex Membership Rewards CC vs AU Altura Credit Card
- Amex Membership Rewards CC vs AU Zenith Credit Card
- Amex Membership Rewards CC vs American Express Gold Card
- Amex Membership Rewards CC vs American Express Platinum Travel Card
- Amex Membership Rewards CC vs Axis Bank ACE Credit Card
- Amex Membership Rewards CC vs Axis Bank Airtel Credit Card
- Amex Membership Rewards CC vs Axis Bank Atlas Credit Card
- Amex Membership Rewards CC vs Axis Bank Magnus Credit Card
- Amex Membership Rewards CC vs Axis Bank My Zone Credit Card
- Amex Membership Rewards CC vs Axis Bank Neo Credit Card
- Amex Membership Rewards CC vs Axis Bank Privilege Credit Card