Side-by-side · honest numbers
American Express SmartEarn Credit Card vs HDFC Diners Club Black Metal vs HDFC Millennia Credit Card
Honest side-by-side comparison of American Express SmartEarn Credit Card, HDFC Diners Club Black Metal, HDFC Millennia 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, HDFC Millennia Credit Card ranks first for estimated net annual value — ahead of American Express SmartEarn Credit Card by about ₹7,180/yr.
| Feature | American Express SmartEarn Credit Card American Express | HDFC Diners Club Black Metal HDFC Bank | HDFC Millennia Credit Card HDFC Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹495 | ₹10,000 | ₹1,000 |
| Fee waiver threshold | Waived at ₹40,000/yr spend | No waiver published | Waived at ₹1,00,000/yr spend |
| Min income | ₹25,000/mo | ₹1,50,000/mo | ₹35,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,650/yr | -₹6,300/yr | ₹8,830/yr |
| Online shopping | 5 pts per ₹25 spend → ₹25/mo (₹300/yr) (cap hit) | — | 5% cashback → ₹500/mo (₹6,000/yr) |
| Travel | — | 5 pts per ₹150 spend → ₹83/mo (₹1,000/yr) | — |
| Top reward rate | 10X Membership Rewards | 10X points | 5% |
| Primary reward cap | ₹500 eligible spend/mo | No monthly cap published | ₹1,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic + international · No minimum spend — show physical card at lounge (DreamFolks / Diners network) | None |
| 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 · Wallet · Government |
| Bonuses | |||
| Signup bonus | — | — | ₹1,000 |
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?
- HDFC Millennia Credit Card leads with an estimated ₹8,830/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 Diners Club Black Metal
HDFC Bank
HDFC Millennia 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 | HDFC BankMetal HDFC Diners Club Black Metal •••• •••• •••• 4242 Quick facts HDFC Diners Club Black Metal Top reward10X points Annual fee₹10,000 Min income₹1,50,000/mo Tap to flip back HDFC Diners Club Black Metal HDFC Bank | HDFC BankGold HDFC Millennia Credit Card •••• •••• •••• 4242 Quick facts HDFC Millennia Credit Card Top reward5% Annual fee₹1,000 Min income₹35,000/mo Tap to flip back HDFC Millennia Credit Card HDFC Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹495 | ₹10,000 | ₹1,000 |
| Fee waiver threshold | Waived at ₹40,000/yr spend | No waiver published | Waived at ₹1,00,000/yr spend |
| Min income | ₹25,000/mo | ₹1,50,000/mo | ₹35,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,650/yr | -₹6,300/yr | ₹8,830/yr |
| Online shopping | 5 pts per ₹25 spend → ₹25/mo (₹300/yr) (cap hit) | — | 5% cashback → ₹500/mo (₹6,000/yr) |
| Travel | — | 5 pts per ₹150 spend → ₹83/mo (₹1,000/yr) | — |
| Top reward rate | 10X Membership Rewards | 10X points | 5% |
| Primary reward cap | ₹500 eligible spend/mo | No monthly cap published | ₹1,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic + international · No minimum spend — show physical card at lounge (DreamFolks / Diners network) | None |
| 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 · Wallet · Government |
| Bonuses | |||
| Signup bonus | — | — | ₹1,000 |
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https://cardhungry.com/in/en/compare/amex-smartearn-vs-hdfc-diners-black-vs-hdfc-millenniaMore American Express SmartEarn Credit Card comparisons
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