Which card has the lower annual fee?

Standard Chartered Smart Card has the lowest annual fee at ₹499.

Which card earns more on moderate spend?

Swiggy HDFC Bank Credit Card leads with an estimated ₹12,150/yr net annual value on moderate spend.

Which card has the lower income requirement?

Swiggy HDFC Bank 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 Swiggy HDFC Bank Credit Card vs Standard Chartered Smart Card

Honest side-by-side comparison of Amex Membership Rewards CC, Swiggy HDFC Bank Credit Card, Standard Chartered Smart 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, Swiggy HDFC Bank Credit Card ranks first for estimated net annual value — ahead of Standard Chartered Smart Card by about ₹8,419/yr.

Amex Membership Rewards CC vs Swiggy HDFC Bank Credit Card vs Standard Chartered Smart Card comparison table
Feature	Amex Membership Rewards CC American Express	Swiggy HDFC Bank Credit Card HDFC Bank	Standard Chartered Smart Card Standard Chartered
Annual fee	₹4,500	₹500	₹499
Min income (monthly)	₹60,000	₹25,000	₹30,000
Top reward rate	2 RP/₹150	10%	2% cashback
Net annual value (moderate spend)	₹822/yr	₹12,150/yr	₹3,731/yr
Secured / FD-backed	No	No	No
Signup bonus	₹4,000	—	—

Frequently asked questions

Which card has the lower annual fee?: Standard Chartered Smart Card has the lowest annual fee at ₹499.
Which card earns more on moderate spend?: Swiggy HDFC Bank Credit Card leads with an estimated ₹12,150/yr net annual value on moderate spend.
Which card has the lower income requirement?: Swiggy HDFC Bank 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.

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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 BankGold Swiggy HDFC Bank Credit Card •••• •••• •••• 4242 Quick facts Swiggy HDFC Bank Credit Card Top reward10% Annual fee₹500 Min income₹25,000/mo Tap to flip back Swiggy HDFC Bank Credit Card HDFC Bank	Standard CharteredGold Standard Chartered Smart Card •••• •••• •••• 4242 Quick facts Standard Chartered Smart Card Top reward2% cashback Annual fee₹499 Min income₹30,000/mo Tap to flip back Standard Chartered Smart Card Standard Chartered
Annual fee	₹4,500	₹500	₹499
Min income	₹60,000	₹25,000	₹30,000
Top reward rate	2 RP/₹150	10%	2% cashback
Net value (moderate)	₹822/yr	₹12,150/yr	₹3,731/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	₹4,000	—	—

Amex Membership Rewards CC details →Swiggy HDFC Bank Credit Card details →Standard Chartered Smart Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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