Which card has the lower annual fee?

IndianOil RBL Bank Credit Card has the lowest annual fee at ₹500.

Which card earns more on moderate spend?

IndianOil RBL Bank Credit Card leads with an estimated ₹1,296/yr net annual value on moderate spend.

Which card has the lower income requirement?

IndianOil RBL Bank 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.

Side-by-side · honest numbers

Amex Membership Rewards CC vs IndianOil RBL Bank Credit Card

Honest side-by-side comparison of Amex Membership Rewards CC, IndianOil RBL Bank 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

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

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

Card 1

Amex Membership Rewards CC

American Express

Card 2

IndianOil RBL Bank Credit Card

RBL Bank

Your adjusted comparison

Feature	Amex Membership Rewards CC American Express	IndianOil RBL Bank Credit Card RBL Bank
Fees & eligibility
Annual fee	₹4,500	₹500
Fee waiver threshold	Waived at ₹1,50,000/yr spend	Waived at ₹1,75,000/yr spend
Min income	₹60,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹1,116/yr	₹1,296/yr
Fuel	—	₹900 → 90 pts/mo × ₹0.50/pt = ₹45/mo (₹540/yr) · issuer max ₹500/mo
Top reward rate	2 RP/₹150	10 fuel points / ₹100
Primary reward cap	No monthly cap published	₹500 rewards/mo cap
Perks & restrictions
Lounge access	None	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Some small merchants	Utilities · Insurance · Quasi-cash · Railways · Rent
Bonuses
Signup bonus	₹4,000	₹500

Stack mode (hold both)

Cap-aware split: ~₹2,916/yr combined NAV (₹1,620 vs best solo). Both annual fees apply.

Amex Membership Rewards CC details →IndianOil RBL Bank Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, IndianOil RBL Bank Credit Card leads Amex Membership Rewards CC by about ₹180/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 IndianOil RBL Bank Credit Card comparison table
Feature	Amex Membership Rewards CC American Express	IndianOil RBL Bank Credit Card RBL Bank
Fees & eligibility
Annual fee	₹4,500	₹500
Fee waiver threshold	Waived at ₹1,50,000/yr spend	Waived at ₹1,75,000/yr spend
Min income	₹60,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹1,116/yr	₹1,296/yr
Fuel	—	₹900 → 90 pts/mo × ₹0.50/pt = ₹45/mo (₹540/yr) · issuer max ₹500/mo
Top reward rate	2 RP/₹150	10 fuel points / ₹100
Primary reward cap	No monthly cap published	₹500 rewards/mo cap
Perks & restrictions
Lounge access	None	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Some small merchants	Utilities · Insurance · Quasi-cash · Railways · Rent
Bonuses
Signup bonus	₹4,000	₹500

Frequently asked questions

Which card has the lower annual fee?: IndianOil RBL Bank Credit Card has the lowest annual fee at ₹500.
Which card earns more on moderate spend?: IndianOil RBL Bank Credit Card leads with an estimated ₹1,296/yr net annual value on moderate spend.
Which card has the lower income requirement?: IndianOil RBL Bank 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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

More Amex Membership Rewards CC comparisons