Side-by-side · honest numbers
American Express Platinum Travel Card vs Tata Neu Plus HDFC Bank Credit Card vs Kotak Royale Signature Credit Card
Honest side-by-side comparison of American Express Platinum Travel Card, Tata Neu Plus HDFC Bank Credit Card, Kotak Royale Signature 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, American Express Platinum Travel Card ranks first for estimated net annual value — ahead of Tata Neu Plus HDFC Bank Credit Card by about ₹2,461/yr.
| Feature | American Express Platinum Travel Card American Express | Tata Neu Plus HDFC Bank Credit Card HDFC Bank | Kotak Royale Signature Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹5,000 | ₹499 | ₹999 |
| Fee waiver threshold | No waiver published | Waived at ₹1,00,000/yr spend | Waived at ₹1,00,000/yr spend |
| Min income | ₹60,000/mo | ₹25,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,990/yr | ₹3,529/yr | ₹140/yr |
| Online shopping | — | 5% cashback → ₹100/mo (₹1,200/yr) (cap hit) | — |
| Fuel | — | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) |
| Travel | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | — |
| Top reward rate | 3X Membership Rewards/₹150 | 5% NeuCoins | 2X reward points |
| Primary reward cap | No monthly cap published | ₹2,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Priority Pass — international lounge network · PP membership included; visit limits per Amex T&Cs — not spend-gated | None | Limited domestic lounge visits — verify on issuer site |
| 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 · Small merchants | EMI · Fuel · Rent · Wallet | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹10,000 | ₹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?
- American Express Platinum Travel Card leads with an estimated ₹5,990/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.
American Express Platinum Travel Card
American Express
Tata Neu Plus HDFC Bank Credit Card
HDFC Bank
Kotak Royale Signature Credit Card
Kotak Mahindra Bank
Your adjusted comparison
| Feature | American ExpressPlatinum American Express Platinum Travel Card •••• •••• •••• 4242 Quick facts American Express Platinum Travel Card Top reward3X Membership Rewards/₹150 Annual fee₹5,000 Min income₹60,000/mo Tap to flip back American Express Platinum Travel Card 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 | Kotak Mahindra BankSignature Kotak Royale Signature Credit Card •••• •••• •••• 4242 Quick facts Kotak Royale Signature Credit Card Top reward2X reward points Annual fee₹999 Min income₹25,000/mo Tap to flip back Kotak Royale Signature Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹5,000 | ₹499 | ₹999 |
| Fee waiver threshold | No waiver published | Waived at ₹1,00,000/yr spend | Waived at ₹1,00,000/yr spend |
| Min income | ₹60,000/mo | ₹25,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,990/yr | ₹3,529/yr | ₹140/yr |
| Online shopping | — | 5% cashback → ₹100/mo (₹1,200/yr) (cap hit) | — |
| Fuel | — | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) |
| Travel | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | — |
| Top reward rate | 3X Membership Rewards/₹150 | 5% NeuCoins | 2X reward points |
| Primary reward cap | No monthly cap published | ₹2,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Priority Pass — international lounge network · PP membership included; visit limits per Amex T&Cs — not spend-gated | None | Limited domestic lounge visits — verify on issuer site |
| 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 · Small merchants | EMI · Fuel · Rent · Wallet | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹10,000 | ₹499 | — |
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