Which card has the lower annual fee?

HDFC 6E Rewards Credit Card has the lowest annual fee at ₹500.

Which card earns more on moderate spend?

Amex Membership Rewards CC leads with an estimated ₹822/yr net annual value on moderate spend.

Which card has the lower income requirement?

HDFC 6E Rewards 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.

Side-by-side · honest numbers

Amex Membership Rewards CC vs HDFC 6E Rewards Credit Card

Honest side-by-side comparison of Amex Membership Rewards CC, HDFC 6E Rewards 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, Amex Membership Rewards CC leads HDFC 6E Rewards Credit Card by about ₹442/yr in estimated net value.

Amex Membership Rewards CC vs HDFC 6E Rewards Credit Card comparison table
Feature	Amex Membership Rewards CC American Express	HDFC 6E Rewards Credit Card HDFC Bank
Fees & eligibility
Annual fee	₹4,500	₹500
Fee waiver threshold	No waiver published	Waived at ₹2,00,000/yr spend
Min income	₹60,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹822/yr	₹380/yr
Travel	—	5 pts per ₹150 spend → ₹42/mo (₹500/yr)
Top reward rate	2 RP/₹150	5X reward points
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 · Fuel · Rent · Wallet
Bonuses
Signup bonus	₹4,000	—

Frequently asked questions

Which card has the lower annual fee?: HDFC 6E Rewards Credit Card has the lowest annual fee at ₹500.
Which card earns more on moderate spend?: Amex Membership Rewards CC leads with an estimated ₹822/yr net annual value on moderate spend.
Which card has the lower income requirement?: HDFC 6E Rewards 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.

Card 1

Amex Membership Rewards CC

American Express

Card 2

HDFC 6E Rewards Credit Card

HDFC 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	HDFC BankPlatinum HDFC 6E Rewards Credit Card •••• •••• •••• 4242 Quick facts HDFC 6E Rewards Credit Card Top reward5X reward points Annual fee₹500 Min income₹25,000/mo Tap to flip back HDFC 6E Rewards Credit Card HDFC Bank
Fees & eligibility
Annual fee	₹4,500	₹500
Fee waiver threshold	No waiver published	Waived at ₹2,00,000/yr spend
Min income	₹60,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹822/yr	₹380/yr
Travel	—	5 pts per ₹150 spend → ₹42/mo (₹500/yr)
Top reward rate	2 RP/₹150	5X reward points
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 · Fuel · Rent · Wallet
Bonuses
Signup bonus	₹4,000	—

Amex Membership Rewards CC details →HDFC 6E Rewards Credit Card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Amex Membership Rewards CC comparisons