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.

Side-by-side · honest numbers

American Express SmartEarn Credit Card vs HDFC Millennia Credit Card

Honest side-by-side comparison of American Express SmartEarn Credit Card, 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 leads American Express SmartEarn Credit Card by about ₹7,180/yr in estimated net value.

American Express SmartEarn Credit Card vs HDFC Millennia Credit Card comparison table
Feature	American Express SmartEarn Credit Card American Express	HDFC Millennia Credit Card HDFC Bank
Fees & eligibility
Annual fee	₹495	₹1,000
Fee waiver threshold	Waived at ₹40,000/yr spend	Waived at ₹1,00,000/yr spend
Min income	₹25,000/mo	₹35,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹1,650/yr	₹8,830/yr
Online shopping	5 pts per ₹25 spend → ₹25/mo (₹300/yr) (cap hit)	5% cashback → ₹500/mo (₹6,000/yr)
Top reward rate	10X Membership Rewards	5%
Primary reward cap	₹500 eligible spend/mo	₹1,000 eligible spend/mo
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	Fuel · Insurance · Utilities · EMI · Rent	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.

Card 1

American Express SmartEarn Credit Card

American Express

Card 2

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 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	₹1,000
Fee waiver threshold	Waived at ₹40,000/yr spend	Waived at ₹1,00,000/yr spend
Min income	₹25,000/mo	₹35,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹1,650/yr	₹8,830/yr
Online shopping	5 pts per ₹25 spend → ₹25/mo (₹300/yr) (cap hit)	5% cashback → ₹500/mo (₹6,000/yr)
Top reward rate	10X Membership Rewards	5%
Primary reward cap	₹500 eligible spend/mo	₹1,000 eligible spend/mo
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	Fuel · Insurance · Utilities · EMI · Rent	EMI · Fuel · Rent · Wallet · Government
Bonuses
Signup bonus	—	₹1,000

American Express SmartEarn Credit Card details →HDFC Millennia Credit Card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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