Side-by-side · honest numbers
American Express SmartEarn Credit Card vs HDFC 6E Rewards Credit Card vs RBL Bank Icon Credit Card
Honest side-by-side comparison of American Express SmartEarn Credit Card, HDFC 6E Rewards Credit Card, RBL Bank Icon 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 SmartEarn Credit Card ranks first for estimated net annual value — ahead of HDFC 6E Rewards Credit Card by about ₹1,270/yr.
| Feature | American Express SmartEarn Credit Card American Express | HDFC 6E Rewards Credit Card HDFC Bank | RBL Bank Icon Credit Card RBL Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹495 | ₹500 | ₹5,000 |
| Fee waiver threshold | Waived at ₹40,000/yr spend | Waived at ₹2,00,000/yr spend | No waiver published |
| Min income | ₹25,000/mo | ₹25,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,650/yr | ₹380/yr | -₹4,920/yr |
| Online shopping | 5 pts per ₹25 spend → ₹25/mo (₹300/yr) (cap hit) | — | — |
| Travel | — | 5 pts per ₹150 spend → ₹42/mo (₹500/yr) | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) |
| Top reward rate | 10X Membership Rewards | 5X reward points | 2X points/₹150 |
| Primary reward cap | ₹500 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Domestic lounge access · ₹35,000/quarter retail spend from Jul 2025 (same as RBL World Safari program) |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Fuel · Insurance · Utilities · EMI · Rent | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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?
- American Express SmartEarn Credit Card leads with an estimated ₹1,650/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
HDFC 6E Rewards Credit Card
HDFC Bank
RBL Bank Icon Credit Card
RBL 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 | HDFC BankPlatinum HDFC 6E Rewards Credit Card •••• •••• •••• 4242 Quick facts HDFC 6E Rewards Credit Card Top reward5X reward points Annual fee₹500 Min income₹25,000/mo Tap to flip back HDFC 6E Rewards Credit Card HDFC Bank | RBL BankPlatinum RBL Bank Icon Credit Card •••• •••• •••• 4242 Quick facts RBL Bank Icon Credit Card Top reward2X points/₹150 Annual fee₹5,000 Min income₹50,000/mo Tap to flip back RBL Bank Icon Credit Card RBL Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹495 | ₹500 | ₹5,000 |
| Fee waiver threshold | Waived at ₹40,000/yr spend | Waived at ₹2,00,000/yr spend | No waiver published |
| Min income | ₹25,000/mo | ₹25,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,650/yr | ₹380/yr | -₹4,920/yr |
| Online shopping | 5 pts per ₹25 spend → ₹25/mo (₹300/yr) (cap hit) | — | — |
| Travel | — | 5 pts per ₹150 spend → ₹42/mo (₹500/yr) | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) |
| Top reward rate | 10X Membership Rewards | 5X reward points | 2X points/₹150 |
| Primary reward cap | ₹500 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Domestic lounge access · ₹35,000/quarter retail spend from Jul 2025 (same as RBL World Safari program) |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Fuel · Insurance · Utilities · EMI · Rent | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/amex-smartearn-vs-hdfc-6e-rewards-vs-rbl-iconMore American Express SmartEarn Credit Card comparisons
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