Side-by-side · honest numbers
Amex Membership Rewards CC vs HDFC MoneyBack+ Credit Card vs ICICI Sapphiro Credit Card
Honest side-by-side comparison of Amex Membership Rewards CC, HDFC MoneyBack+ Credit Card, ICICI Sapphiro 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, ICICI Sapphiro Credit Card ranks first for estimated net annual value — ahead of Amex Membership Rewards CC by about ₹2,734/yr.
| Feature | Amex Membership Rewards CC American Express | HDFC MoneyBack+ Credit Card HDFC Bank | ICICI Sapphiro Credit Card ICICI Bank |
|---|---|---|---|
| Annual fee | ₹4,500 | ₹500 | ₹3,500 |
| Min income (monthly) | ₹60,000 | ₹20,000 | ₹75,000 |
| Top reward rate | 2 RP/₹150 | 10X points | 4 RP/₹100 |
| Net annual value (moderate spend) | ₹822/yr | ₹690/yr | ₹3,556/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | ₹4,000 | ₹500 | ₹4,000 |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC MoneyBack+ Credit Card has the lowest annual fee at ₹500.
- Which card earns more on moderate spend?
- ICICI Sapphiro Credit Card leads with an estimated ₹3,556/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.
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 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 | ICICI BankPlatinum ICICI Sapphiro Credit Card •••• •••• •••• 4242 Quick facts ICICI Sapphiro Credit Card Top reward4 RP/₹100 Annual fee₹3,500 Min income₹75,000/mo Tap to flip back ICICI Sapphiro Credit Card ICICI Bank |
|---|---|---|---|
| Annual fee | ₹4,500 | ₹500 | ₹3,500 |
| Min income | ₹60,000 | ₹20,000 | ₹75,000 |
| Top reward rate | 2 RP/₹150 | 10X points | 4 RP/₹100 |
| Net value (moderate) | ₹822/yr | ₹690/yr | ₹3,556/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | ₹4,000 | ₹500 | ₹4,000 |
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