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?

HDFC MoneyBack+ Credit Card lists a minimum monthly income of ₹20,000.

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 MoneyBack+ Credit Card

Honest side-by-side comparison of American Express SmartEarn Credit Card, HDFC MoneyBack+ 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 leads HDFC MoneyBack+ Credit Card by about ₹960/yr in estimated net value.

American Express SmartEarn Credit Card vs HDFC MoneyBack+ Credit Card comparison table
Feature	American Express SmartEarn Credit Card American Express	HDFC MoneyBack+ Credit Card HDFC Bank
Fees & eligibility
Annual fee	₹495	₹500
Fee waiver threshold	Waived at ₹40,000/yr spend	No waiver published
Min income	₹25,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹1,650/yr	₹690/yr
Online shopping	5 pts per ₹25 spend → ₹25/mo (₹300/yr) (cap hit)	10 pts per ₹150 spend → ₹42/mo (₹500/yr) (cap hit)
Top reward rate	10X Membership Rewards	10X points
Primary reward cap	₹500 eligible spend/mo	₹2,500 eligible spend/mo
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	Fuel · Insurance · Utilities · EMI · Rent	EMI · Fuel · Rent
Bonuses
Signup bonus	—	₹500

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?: HDFC MoneyBack+ Credit Card lists a minimum monthly income of ₹20,000.
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 MoneyBack+ 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 BankClassic HDFC MoneyBack+ Credit Card •••• •••• •••• 4242 Quick facts HDFC MoneyBack+ Credit Card Top reward10X points Annual fee₹500 Min income₹20,000/mo Tap to flip back HDFC MoneyBack+ Credit Card HDFC Bank
Fees & eligibility
Annual fee	₹495	₹500
Fee waiver threshold	Waived at ₹40,000/yr spend	No waiver published
Min income	₹25,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹1,650/yr	₹690/yr
Online shopping	5 pts per ₹25 spend → ₹25/mo (₹300/yr) (cap hit)	10 pts per ₹150 spend → ₹42/mo (₹500/yr) (cap hit)
Top reward rate	10X Membership Rewards	10X points
Primary reward cap	₹500 eligible spend/mo	₹2,500 eligible spend/mo
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	Fuel · Insurance · Utilities · EMI · Rent	EMI · Fuel · Rent
Bonuses
Signup bonus	—	₹500

American Express SmartEarn Credit Card details →HDFC MoneyBack+ Credit Card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More American Express SmartEarn Credit Card comparisons