Side-by-side · honest numbers
American Express SmartEarn Credit Card vs Bajaj Finserv DBS Bank SuperCard vs Tata Neu Plus HDFC Bank Credit Card
Honest side-by-side comparison of American Express SmartEarn Credit Card, Bajaj Finserv DBS Bank SuperCard, Tata Neu Plus HDFC Bank 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 American Express SmartEarn Credit Card by about ₹1,879/yr.
| Feature | American Express SmartEarn Credit Card American Express | Bajaj Finserv DBS Bank SuperCard DBS Bank | Tata Neu Plus HDFC Bank Credit Card HDFC Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹495 | ₹999 | ₹499 |
| Fee waiver threshold | Waived at ₹40,000/yr spend | Waived at ₹2,00,000/yr spend | Waived at ₹1,00,000/yr spend |
| Min income | ₹25,000/mo | ₹25,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,650/yr | ₹180/yr | ₹3,529/yr |
| Online shopping | 5 pts per ₹25 spend → ₹25/mo (₹300/yr) (cap hit) | 2 pts per ₹150 spend → ₹33/mo (₹400/yr) | 5% cashback → ₹100/mo (₹1,200/yr) (cap hit) |
| Top reward rate | 10X Membership Rewards | 2X reward points | 5% NeuCoins |
| Primary reward cap | ₹500 eligible spend/mo | No monthly cap published | ₹2,000 eligible spend/mo |
| UPI rewards | Not supported (Visa/MC) | 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 |
| Key exclusions | Fuel · Insurance · Utilities · EMI · Rent | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹499 |
Frequently asked questions
- Which card has the lower annual fee?
- American Express SmartEarn Credit Card has the lowest annual fee at ₹495.
- 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?
- American Express SmartEarn 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 SmartEarn Credit Card
American Express
Bajaj Finserv DBS Bank SuperCard
DBS Bank
Tata Neu Plus HDFC Bank Credit Card
HDFC Bank
Your adjusted comparison
| Feature | American ExpressGold American Express SmartEarn Credit Card •••• •••• •••• 4242 Quick facts American Express SmartEarn Credit Card Top reward10X Membership Rewards Annual fee₹495 Min income₹25,000/mo Tap to flip back American Express SmartEarn Credit Card American Express | DBS BankGold Bajaj Finserv DBS Bank SuperCard •••• •••• •••• 4242 Quick facts Bajaj Finserv DBS Bank SuperCard Top reward2X reward points Annual fee₹999 Min income₹25,000/mo Tap to flip back Bajaj Finserv DBS Bank SuperCard DBS Bank | 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 |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹495 | ₹999 | ₹499 |
| Fee waiver threshold | Waived at ₹40,000/yr spend | Waived at ₹2,00,000/yr spend | Waived at ₹1,00,000/yr spend |
| Min income | ₹25,000/mo | ₹25,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,650/yr | ₹180/yr | ₹3,529/yr |
| Online shopping | 5 pts per ₹25 spend → ₹25/mo (₹300/yr) (cap hit) | 2 pts per ₹150 spend → ₹33/mo (₹400/yr) | 5% cashback → ₹100/mo (₹1,200/yr) (cap hit) |
| Top reward rate | 10X Membership Rewards | 2X reward points | 5% NeuCoins |
| Primary reward cap | ₹500 eligible spend/mo | No monthly cap published | ₹2,000 eligible spend/mo |
| UPI rewards | Not supported (Visa/MC) | 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 |
| Key exclusions | Fuel · Insurance · Utilities · EMI · Rent | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹499 |
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https://cardhungry.com/in/en/compare/amex-smartearn-vs-bajaj-dbs-supercard-vs-hdfc-tata-neu-plusMore American Express SmartEarn Credit Card comparisons
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