Side-by-side · honest numbers
Amex Membership Rewards CC vs AU Altura Credit Card vs HDFC Diners Club Black Metal
Honest side-by-side comparison of Amex Membership Rewards CC, AU Altura Credit Card, HDFC Diners Club Black Metal — 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, AU Altura Credit Card ranks first for estimated net annual value — ahead of Amex Membership Rewards CC by about ₹1,098/yr.
| Feature | Amex Membership Rewards CC American Express | AU Altura Credit Card AU Small Finance Bank | HDFC Diners Club Black Metal HDFC Bank |
|---|---|---|---|
| Annual fee | ₹4,500 | ₹0 | ₹10,000 |
| Min income (monthly) | ₹60,000 | ₹15,000 | ₹1,50,000 |
| Top reward rate | 2 RP/₹150 | 2% cashback | 10X points |
| Net annual value (moderate spend) | ₹822/yr | ₹1,920/yr | -₹5,617/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | ₹4,000 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- AU Altura Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- AU Altura Credit Card leads with an estimated ₹1,920/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- AU Altura 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.
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 | AU Small Finance BankClassic AU Altura Credit Card •••• •••• •••• 4242 Quick facts AU Altura Credit Card Top reward2% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back AU Altura Credit Card AU Small Finance Bank | HDFC BankMetal HDFC Diners Club Black Metal •••• •••• •••• 4242 Quick facts HDFC Diners Club Black Metal Top reward10X points Annual fee₹10,000 Min income₹1,50,000/mo Tap to flip back HDFC Diners Club Black Metal HDFC Bank |
|---|---|---|---|
| Annual fee | ₹4,500 | ₹0 | ₹10,000 |
| Min income | ₹60,000 | ₹15,000 | ₹1,50,000 |
| Top reward rate | 2 RP/₹150 | 2% cashback | 10X points |
| Net value (moderate) | ₹822/yr | ₹1,920/yr | -₹5,617/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | ₹4,000 | — | — |
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