Side-by-side · honest numbers
Amex Membership Rewards CC vs HDFC Millennia Credit Card vs IndusInd Bank Tiger Credit Card
Honest side-by-side comparison of Amex Membership Rewards CC, HDFC Millennia Credit Card, IndusInd Bank Tiger 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, HDFC Millennia Credit Card ranks first for estimated net annual value — ahead of Amex Membership Rewards CC by about ₹8,008/yr.
| Feature | Amex Membership Rewards CC American Express | HDFC Millennia Credit Card HDFC Bank | IndusInd Bank Tiger Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,500 | ₹1,000 | Lifetime free |
| Fee waiver threshold | No waiver published | Waived at ₹1,00,000/yr spend | Lifetime free |
| Min income | ₹60,000/mo | ₹35,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹822/yr | ₹8,830/yr | -₹20/yr |
| Online shopping | — | 5% cashback → ₹500/mo (₹6,000/yr) | — |
| Top reward rate | 2 RP/₹150 | 5% | 1 reward point/₹150 |
| Primary reward cap | No monthly cap published | ₹1,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | 2 complimentary domestic lounge visits per quarter · No minimum spend required for lounge access |
| 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 · Wallet loads |
| Bonuses | |||
| Signup bonus | ₹4,000 | ₹1,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- IndusInd Bank Tiger Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- HDFC Millennia Credit Card leads with an estimated ₹8,830/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IndusInd Bank Tiger 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 Millennia Credit Card
HDFC Bank
IndusInd Bank Tiger Credit Card
IndusInd 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 BankGold HDFC Millennia Credit Card •••• •••• •••• 4242 Quick facts HDFC Millennia Credit Card Top reward5% Annual fee₹1,000 Min income₹35,000/mo Tap to flip back HDFC Millennia Credit Card HDFC Bank | IndusInd BankGold IndusInd Bank Tiger Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Tiger Credit Card Top reward1 reward point/₹150 Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IndusInd Bank Tiger Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,500 | ₹1,000 | Lifetime free |
| Fee waiver threshold | No waiver published | Waived at ₹1,00,000/yr spend | Lifetime free |
| Min income | ₹60,000/mo | ₹35,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹822/yr | ₹8,830/yr | -₹20/yr |
| Online shopping | — | 5% cashback → ₹500/mo (₹6,000/yr) | — |
| Top reward rate | 2 RP/₹150 | 5% | 1 reward point/₹150 |
| Primary reward cap | No monthly cap published | ₹1,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | 2 complimentary domestic lounge visits per quarter · No minimum spend required for lounge access |
| 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 · Wallet loads |
| Bonuses | |||
| Signup bonus | ₹4,000 | ₹1,000 | — |
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https://cardhungry.com/in/en/compare/amex-mrcc-vs-hdfc-millennia-vs-indusind-tigerMore Amex Membership Rewards CC comparisons
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