Side-by-side · honest numbers
Amex Membership Rewards CC vs Axis Bank Airtel Credit Card vs Kotak Urbane Gold Credit Card
Honest side-by-side comparison of Amex Membership Rewards CC, Axis Bank Airtel Credit Card, Kotak Urbane Gold 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 Airtel Credit Card ranks first for estimated net annual value — ahead of Amex Membership Rewards CC by about ₹7,248/yr.
| Feature | Amex Membership Rewards CC American Express | Axis Bank Airtel Credit Card Axis Bank | Kotak Urbane Gold Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,500 | ₹500 | ₹1,999 |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹60,000/mo | ₹20,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹822/yr | ₹8,070/yr | ₹140/yr |
| Dining & delivery | — | 10% cashback → ₹250/mo (₹3,000/yr) (cap hit) | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) |
| Utilities & bills | — | 25% cashback → ₹250/mo (₹3,000/yr) (cap hit) | — |
| Top reward rate | 2 RP/₹150 | 25% | 3X reward points |
| Primary reward cap | No monthly cap published | ₹250 rewards/mo cap | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Some small merchants | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹4,000 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Axis Bank Airtel Credit Card has the lowest annual fee at ₹500.
- Which card earns more on moderate spend?
- Axis Bank Airtel Credit Card leads with an estimated ₹8,070/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Axis Bank Airtel Credit Card lists a minimum monthly income of ₹20,000.
- 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
Axis Bank Airtel Credit Card
Axis Bank
Kotak Urbane Gold Credit Card
Kotak Mahindra 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 | Axis BankGold Axis Bank Airtel Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Airtel Credit Card Top reward25% Annual fee₹500 Min income₹20,000/mo Tap to flip back Axis Bank Airtel Credit Card Axis Bank | Kotak Mahindra BankGold Kotak Urbane Gold Credit Card •••• •••• •••• 4242 Quick facts Kotak Urbane Gold Credit Card Top reward3X reward points Annual fee₹1,999 Min income₹30,000/mo Tap to flip back Kotak Urbane Gold Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,500 | ₹500 | ₹1,999 |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹60,000/mo | ₹20,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹822/yr | ₹8,070/yr | ₹140/yr |
| Dining & delivery | — | 10% cashback → ₹250/mo (₹3,000/yr) (cap hit) | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) |
| Utilities & bills | — | 25% cashback → ₹250/mo (₹3,000/yr) (cap hit) | — |
| Top reward rate | 2 RP/₹150 | 25% | 3X reward points |
| Primary reward cap | No monthly cap published | ₹250 rewards/mo cap | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Some small merchants | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹4,000 | — | — |
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