Side-by-side · honest numbers
Amex Membership Rewards CC vs HDFC 6E Rewards Credit Card vs HDFC MoneyBack+ Credit Card
Honest side-by-side comparison of Amex Membership Rewards CC, HDFC 6E Rewards Credit Card, HDFC MoneyBack+ 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 ranks first for estimated net annual value — ahead of HDFC MoneyBack+ Credit Card by about ₹132/yr.
| Feature | Amex Membership Rewards CC American Express | HDFC 6E Rewards Credit Card HDFC Bank | HDFC MoneyBack+ Credit Card HDFC Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,500 | ₹500 | ₹500 |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend | No waiver published |
| Min income | ₹60,000/mo | ₹25,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹822/yr | ₹380/yr | ₹690/yr |
| Online shopping | — | — | 10 pts per ₹150 spend → ₹42/mo (₹500/yr) (cap hit) |
| Travel | — | 5 pts per ₹150 spend → ₹42/mo (₹500/yr) | — |
| Top reward rate | 2 RP/₹150 | 5X reward points | 10X points |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹2,500 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 | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹4,000 | — | ₹500 |
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 MoneyBack+ 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
HDFC 6E Rewards Credit Card
HDFC Bank
HDFC MoneyBack+ 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 | HDFC BankClassic HDFC MoneyBack+ Credit Card •••• •••• •••• 4242 Quick facts HDFC MoneyBack+ Credit Card Top reward10X points Annual fee₹500 Min income₹20,000/mo Tap to flip back HDFC MoneyBack+ Credit Card HDFC Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,500 | ₹500 | ₹500 |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend | No waiver published |
| Min income | ₹60,000/mo | ₹25,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹822/yr | ₹380/yr | ₹690/yr |
| Online shopping | — | — | 10 pts per ₹150 spend → ₹42/mo (₹500/yr) (cap hit) |
| Travel | — | 5 pts per ₹150 spend → ₹42/mo (₹500/yr) | — |
| Top reward rate | 2 RP/₹150 | 5X reward points | 10X points |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹2,500 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 | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹4,000 | — | ₹500 |
Share this comparison
https://cardhungry.com/in/en/compare/amex-mrcc-vs-hdfc-6e-rewards-vs-hdfc-moneyback-plusMore 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 American Express SmartEarn Credit 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 Flipkart Credit Card
- Amex Membership Rewards CC vs Axis Bank Magnus Credit Card
- Amex Membership Rewards CC vs Axis Bank My Zone Credit Card