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Amex Membership Rewards CC vs IDFC FIRST Power Credit Card

Honest side-by-side comparison of Amex Membership Rewards CC, IDFC FIRST Power Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Amex Membership Rewards CC

American Express

IDFC FIRST Power Credit Card

IDFC FIRST Bank

Your adjusted comparison

Feature
Amex Membership Rewards CC credit card

Amex Membership Rewards CC

American Express

IDFC FIRST Power Credit Card

IDFC FIRST Power Credit Card

IDFC FIRST Bank

Fees & eligibility
Annual fee₹4,500₹499
Fee waiver thresholdWaived at ₹1,50,000/yr spendWaived at ₹1,50,000/yr spend
Min income₹60,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹1,116/yr₹2,750/yr
Groceries (offline)—₹5,000 → 500 pts/mo × ₹0.25/pt = ₹125.00/mo (₹1,500/yr)
Utilities & bills—₹3,500 → 350 pts/mo × ₹0.25/pt = ₹87.50/mo (₹1,050/yr)
Top reward rate2 RP/₹15021 pts/₹150 (~3.5%)
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge accessNoneNone
UPI rewardsNot supported (Visa/MC)Earns: 2X reward points on eligible UPI and retail · cap Per IDFC MITC
Key exclusionsEMI · Fuel · Rent · Some small merchantsEMI · Fuel (non-HPCL) · Insurance · Wallet
Bonuses
Signup bonus₹4,000—

Stack mode (hold both)

Cap-aware split: ~₹3,122/yr combined NAV (₹372 vs best solo). Both annual fees apply.

Amex Membership Rewards CC details →IDFC FIRST Power Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, IDFC FIRST Power Credit Card leads Amex Membership Rewards CC by about ₹1,634/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

Amex Membership Rewards CC vs IDFC FIRST Power Credit Card comparison table
FeatureAmex Membership Rewards CC

American Express

IDFC FIRST Power Credit Card

IDFC FIRST Bank

Fees & eligibility
Annual fee₹4,500₹499
Fee waiver thresholdWaived at ₹1,50,000/yr spendWaived at ₹1,50,000/yr spend
Min income₹60,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹1,116/yr₹2,750/yr
Groceries (offline)—₹5,000 → 500 pts/mo × ₹0.25/pt = ₹125.00/mo (₹1,500/yr)
Utilities & bills—₹3,500 → 350 pts/mo × ₹0.25/pt = ₹87.50/mo (₹1,050/yr)
Top reward rate2 RP/₹15021 pts/₹150 (~3.5%)
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge accessNoneNone
UPI rewardsNot supported (Visa/MC)Earns: 2X reward points on eligible UPI and retail · cap Per IDFC MITC
Key exclusionsEMI · Fuel · Rent · Some small merchantsEMI · Fuel (non-HPCL) · Insurance · Wallet
Bonuses
Signup bonus₹4,000—

Frequently asked questions

Which card has the lower annual fee?
IDFC FIRST Power Credit Card has the lowest annual fee at ₹499.
Which card earns more on moderate spend?
IDFC FIRST Power Credit Card leads with an estimated ₹2,750/yr net annual value on moderate spend.
Which card has the lower income requirement?
IDFC FIRST Power 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.

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