Which card has the lower annual fee?

Bajaj Finserv RBL Bank SuperCard has the lowest annual fee at ₹999.

Which card earns more on moderate spend?

Bajaj Finserv RBL Bank SuperCard leads with an estimated -₹899/yr net annual value on moderate spend.

Which card has the lower income requirement?

Bajaj Finserv RBL Bank SuperCard 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.

Side-by-side · honest numbers

Amex Membership Rewards CC vs Bajaj Finserv RBL Bank SuperCard

Honest side-by-side comparison of Amex Membership Rewards CC, Bajaj Finserv RBL Bank SuperCard — 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.

Card 1

Amex Membership Rewards CC

American Express

Card 2

Bajaj Finserv RBL Bank SuperCard

RBL Bank

Your adjusted comparison

Feature	Amex Membership Rewards CC American Express	Bajaj Finserv RBL Bank SuperCard RBL Bank
Fees & eligibility
Annual fee	₹4,500	₹999
Fee waiver threshold	No waiver published	No waiver published
Min income	₹60,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹4,194/yr	-₹899/yr
Online shopping	—	₹8,000 → 107 pts/mo × ₹0.25/pt = ₹26.67/mo (₹320/yr)
Top reward rate	2 RP/₹150	2X points/₹150
Primary reward cap	No monthly cap published	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Some small merchants	EMI interest · Cash advance
Bonuses
Signup bonus	₹4,000	—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

Amex Membership Rewards CC details →Bajaj Finserv RBL Bank SuperCard details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Bajaj Finserv RBL Bank SuperCard leads Amex Membership Rewards CC by about ₹3,295/yr in estimated net value.

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

Amex Membership Rewards CC vs Bajaj Finserv RBL Bank SuperCard comparison table
Feature	Amex Membership Rewards CC American Express	Bajaj Finserv RBL Bank SuperCard RBL Bank
Fees & eligibility
Annual fee	₹4,500	₹999
Fee waiver threshold	No waiver published	No waiver published
Min income	₹60,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹4,194/yr	-₹899/yr
Online shopping	—	₹8,000 → 107 pts/mo × ₹0.25/pt = ₹26.67/mo (₹320/yr)
Top reward rate	2 RP/₹150	2X points/₹150
Primary reward cap	No monthly cap published	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Some small merchants	EMI interest · Cash advance
Bonuses
Signup bonus	₹4,000	—

Frequently asked questions

Which card has the lower annual fee?: Bajaj Finserv RBL Bank SuperCard has the lowest annual fee at ₹999.
Which card earns more on moderate spend?: Bajaj Finserv RBL Bank SuperCard leads with an estimated -₹899/yr net annual value on moderate spend.
Which card has the lower income requirement?: Bajaj Finserv RBL Bank SuperCard 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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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