Side-by-side · honest numbers
Amex Membership Rewards CC vs Tata Neu Plus HDFC Bank Credit Card vs IndusInd Bank Avios Visa Infinite Credit Card
Honest side-by-side comparison of Amex Membership Rewards CC, Tata Neu Plus HDFC Bank Credit Card, IndusInd Bank Avios Visa Infinite 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, Tata Neu Plus HDFC Bank Credit Card ranks first for estimated net annual value — ahead of Amex Membership Rewards CC by about ₹2,707/yr.
| Feature | Amex Membership Rewards CC American Express | Tata Neu Plus HDFC Bank Credit Card HDFC Bank | IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,500 | ₹499 | ₹10,000 |
| Fee waiver threshold | No waiver published | Waived at ₹1,00,000/yr spend | No waiver published |
| Min income | ₹60,000/mo | ₹25,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹822/yr | ₹3,529/yr | -₹8,536/yr |
| Online shopping | — | 5% cashback → ₹100/mo (₹1,200/yr) (cap hit) | — |
| Travel | — | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 2 RP/₹150 | 5% NeuCoins | 5X Avios points |
| Primary reward cap | No monthly cap published | ₹2,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Unlimited lounge access · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Earns: 5% NeuCoins on Tata brands; 1% on other eligible spends (UPI & card) · cap NeuCoins caps per Tata Neu / HDFC T&Cs | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Some small merchants | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹4,000 | ₹499 | — |
Frequently asked questions
- Which card has the lower annual fee?
- Tata Neu Plus HDFC Bank Credit Card has the lowest annual fee at ₹499.
- Which card earns more on moderate spend?
- Tata Neu Plus HDFC Bank Credit Card leads with an estimated ₹3,529/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Tata Neu Plus 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.
Amex Membership Rewards CC
American Express
Tata Neu Plus HDFC Bank Credit Card
HDFC Bank
IndusInd Bank Avios Visa Infinite 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 Tata Neu Plus HDFC Bank Credit Card •••• •••• •••• 4242 Quick facts Tata Neu Plus HDFC Bank Credit Card Top reward5% NeuCoins Annual fee₹499 Min income₹25,000/mo Tap to flip back Tata Neu Plus HDFC Bank Credit Card HDFC Bank | IndusInd BankInfinite IndusInd Bank Avios Visa Infinite Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Avios Visa Infinite Credit Card Top reward5X Avios points Annual fee₹10,000 Min income₹75,000/mo Tap to flip back IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,500 | ₹499 | ₹10,000 |
| Fee waiver threshold | No waiver published | Waived at ₹1,00,000/yr spend | No waiver published |
| Min income | ₹60,000/mo | ₹25,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹822/yr | ₹3,529/yr | -₹8,536/yr |
| Online shopping | — | 5% cashback → ₹100/mo (₹1,200/yr) (cap hit) | — |
| Travel | — | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 2 RP/₹150 | 5% NeuCoins | 5X Avios points |
| Primary reward cap | No monthly cap published | ₹2,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Unlimited lounge access · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Earns: 5% NeuCoins on Tata brands; 1% on other eligible spends (UPI & card) · cap NeuCoins caps per Tata Neu / HDFC T&Cs | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Some small merchants | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹4,000 | ₹499 | — |
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https://cardhungry.com/in/en/compare/amex-mrcc-vs-hdfc-tata-neu-plus-vs-indusind-aviosMore Amex Membership Rewards CC comparisons
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