Which card has the lower annual fee?

Amex Membership Rewards CC has the lowest annual fee at ₹4,500.

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?

Amex Membership Rewards CC lists a minimum monthly income of ₹60,000.

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 Bank Infinia Credit Card

Honest side-by-side comparison of Amex Membership Rewards CC, HDFC Bank Infinia 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 Bank Infinia Credit Card by about ₹3,463/yr in estimated net value.

Amex Membership Rewards CC vs HDFC Bank Infinia Credit Card comparison table
Feature	Amex Membership Rewards CC American Express	HDFC Bank Infinia Credit Card HDFC Bank
Annual fee	₹4,500	₹12,500
Min income (monthly)	₹60,000	₹1,00,000
Top reward rate	2 RP/₹150	5 RP/₹150
Net annual value (moderate spend)	₹822/yr	-₹2,641/yr
Secured / FD-backed	No	No
Signup bonus	₹4,000	—

Frequently asked questions

Which card has the lower annual fee?: Amex Membership Rewards CC has the lowest annual fee at ₹4,500.
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?: Amex Membership Rewards CC lists a minimum monthly income of ₹60,000.
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.

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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 BankMetal HDFC Bank Infinia Credit Card •••• •••• •••• 4242 Quick facts HDFC Bank Infinia Credit Card Top reward5 RP/₹150 Annual fee₹12,500 Min income₹1,00,000/mo Tap to flip back HDFC Bank Infinia Credit Card HDFC Bank
Annual fee	₹4,500	₹12,500
Min income	₹60,000	₹1,00,000
Top reward rate	2 RP/₹150	5 RP/₹150
Net value (moderate)	₹822/yr	-₹2,641/yr
Secured / no bureau	Standard	Standard
Signup bonus	₹4,000	—

Amex Membership Rewards CC details →HDFC Bank Infinia Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Amex Membership Rewards CC comparisons