Side-by-side · honest numbers
American Express SmartEarn Credit Card vs HDFC Regalia Gold vs RBL Bank ShopRite
Honest side-by-side comparison of American Express SmartEarn Credit Card, HDFC Regalia Gold, RBL Bank ShopRite — 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 Regalia Gold ranks first for estimated net annual value — ahead of American Express SmartEarn Credit Card by about ₹3,906/yr.
| Feature | American Express SmartEarn Credit Card American Express | HDFC Regalia Gold HDFC Bank | RBL Bank ShopRite RBL Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹495 | ₹2,500 | Lifetime free |
| Fee waiver threshold | Waived at ₹40,000/yr spend | Waived at ₹4,00,000/yr spend | Lifetime free |
| Min income | ₹25,000/mo | ₹50,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,650/yr | ₹5,556/yr | ₹460/yr |
| Online shopping | 5 pts per ₹25 spend → ₹25/mo (₹300/yr) (cap hit) | — | — |
| Groceries (offline) | — | — | 5% cashback → ₹50/mo (₹600/yr) (cap hit) |
| Top reward rate | 10X Membership Rewards | 4 RP/₹150 | 5% on first ₹1,000/mo |
| Primary reward cap | ₹500 eligible spend/mo | No monthly cap published | ₹1,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | Up to 2 lounge vouchers/quarter · ₹1,00,000 spend per calendar quarter — generate voucher on Regalia SmartBuy (intl PP separate) | 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 |
| Bonuses | |||
| Signup bonus | — | ₹2,500 | — |
Frequently asked questions
- Which card has the lower annual fee?
- RBL Bank ShopRite has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- HDFC Regalia Gold leads with an estimated ₹5,556/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- RBL Bank ShopRite lists a minimum monthly income of ₹15,000.
- 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 Regalia Gold
HDFC Bank
RBL Bank ShopRite
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 Regalia Gold •••• •••• •••• 4242 Quick facts HDFC Regalia Gold Top reward4 RP/₹150 Annual fee₹2,500 Min income₹50,000/mo Tap to flip back HDFC Regalia Gold HDFC Bank | RBL BankClassic RBL Bank ShopRite •••• •••• •••• 4242 Quick facts RBL Bank ShopRite Top reward5% on first ₹1,000/mo Annual feeLifetime Free Min income₹15,000/mo Tap to flip back RBL Bank ShopRite RBL Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹495 | ₹2,500 | Lifetime free |
| Fee waiver threshold | Waived at ₹40,000/yr spend | Waived at ₹4,00,000/yr spend | Lifetime free |
| Min income | ₹25,000/mo | ₹50,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,650/yr | ₹5,556/yr | ₹460/yr |
| Online shopping | 5 pts per ₹25 spend → ₹25/mo (₹300/yr) (cap hit) | — | — |
| Groceries (offline) | — | — | 5% cashback → ₹50/mo (₹600/yr) (cap hit) |
| Top reward rate | 10X Membership Rewards | 4 RP/₹150 | 5% on first ₹1,000/mo |
| Primary reward cap | ₹500 eligible spend/mo | No monthly cap published | ₹1,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | Up to 2 lounge vouchers/quarter · ₹1,00,000 spend per calendar quarter — generate voucher on Regalia SmartBuy (intl PP separate) | 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 |
| Bonuses | |||
| Signup bonus | — | ₹2,500 | — |
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https://cardhungry.com/in/en/compare/amex-smartearn-vs-hdfc-regalia-gold-vs-rbl-shopriteMore American Express SmartEarn Credit Card comparisons
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