Which card has the lower annual fee?

Kotak League Platinum has a ₹0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

OneCard Metal Credit Card leads with an estimated ₹3,960/yr net annual value on moderate spend.

Which card has the lower income requirement?

OneCard Metal Credit Card lists a minimum monthly income of ₹15,000.

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 Kotak League Platinum vs OneCard Metal Credit Card

Honest side-by-side comparison of Amex Membership Rewards CC, Kotak League Platinum, OneCard Metal 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, OneCard Metal Credit Card ranks first for estimated net annual value — ahead of Amex Membership Rewards CC by about ₹3,138/yr.

Amex Membership Rewards CC vs Kotak League Platinum vs OneCard Metal Credit Card comparison table
Feature	Amex Membership Rewards CC American Express	Kotak League Platinum Kotak Mahindra Bank	OneCard Metal Credit Card OneCard (BOB/FPL)
Annual fee	₹4,500	₹0	₹0
Min income (monthly)	₹60,000	₹25,000	₹15,000
Top reward rate	2 RP/₹150	2 RP/₹150	1% cashback
Net annual value (moderate spend)	₹822/yr	₹590/yr	₹3,960/yr
Secured / FD-backed	No	No	No
Signup bonus	₹4,000	—	—

Frequently asked questions

Which card has the lower annual fee?: Kotak League Platinum has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: OneCard Metal Credit Card leads with an estimated ₹3,960/yr net annual value on moderate spend.
Which card has the lower income requirement?: OneCard Metal Credit Card lists a minimum monthly income of ₹15,000.
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	Kotak Mahindra BankPlatinum Kotak League Platinum •••• •••• •••• 4242 Quick facts Kotak League Platinum Top reward2 RP/₹150 Annual feeLifetime Free Min income₹25,000/mo Tap to flip back Kotak League Platinum Kotak Mahindra Bank	OneCard (BOB/FPL)Metal OneCard Metal Credit Card •••• •••• •••• 4242 Quick facts OneCard Metal Credit Card Top reward1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back OneCard Metal Credit Card OneCard (BOB/FPL)
Annual fee	₹4,500	₹0	₹0
Min income	₹60,000	₹25,000	₹15,000
Top reward rate	2 RP/₹150	2 RP/₹150	1% cashback
Net value (moderate)	₹822/yr	₹590/yr	₹3,960/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	₹4,000	—	—

Amex Membership Rewards CC details →Kotak League Platinum details →OneCard Metal Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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