Side-by-side · honest numbers
American Express SmartEarn Credit Card vs Kotak White Credit Card vs slice credit card
Honest side-by-side comparison of American Express SmartEarn Credit Card, Kotak White Credit Card, slice 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, slice credit card ranks first for estimated net annual value — ahead of American Express SmartEarn Credit Card by about ₹1,860/yr.
| Feature | American Express SmartEarn Credit Card American Express | Kotak White Credit Card Kotak Mahindra Bank | slice credit card Slice |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹495 | ₹3,000 | 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 | ₹80/yr | ₹3,510/yr |
| Online shopping | 5 pts per ₹25 spend → ₹25/mo (₹300/yr) (cap hit) | — | — |
| Travel | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | — |
| Top reward rate | 10X Membership Rewards | 2X reward points | Up to 1% cashback |
| Primary reward cap | ₹500 eligible spend/mo | No monthly cap published | ₹500 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | Domestic lounge access — verify visit count on issuer site | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap |
| Key exclusions | Fuel · Insurance · Utilities · EMI · Rent | EMI · Fuel · Rent | Rent · Wallet loads · EMI |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- slice credit card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- slice credit card leads with an estimated ₹3,510/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- slice credit card 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
Kotak White Credit Card
Kotak Mahindra Bank
slice credit card
Slice
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 | Kotak Mahindra BankPlatinum Kotak White Credit Card •••• •••• •••• 4242 Quick facts Kotak White Credit Card Top reward2X reward points Annual fee₹3,000 Min income₹50,000/mo Tap to flip back Kotak White Credit Card Kotak Mahindra Bank | SliceGold slice credit card •••• •••• •••• 4242 Quick facts slice credit card Top rewardUp to 1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back slice credit card Slice |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹495 | ₹3,000 | 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 | ₹80/yr | ₹3,510/yr |
| Online shopping | 5 pts per ₹25 spend → ₹25/mo (₹300/yr) (cap hit) | — | — |
| Travel | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | — |
| Top reward rate | 10X Membership Rewards | 2X reward points | Up to 1% cashback |
| Primary reward cap | ₹500 eligible spend/mo | No monthly cap published | ₹500 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | Domestic lounge access — verify visit count on issuer site | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap |
| Key exclusions | Fuel · Insurance · Utilities · EMI · Rent | EMI · Fuel · Rent | Rent · Wallet loads · EMI |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/amex-smartearn-vs-kotak-white-vs-slice-credit-cardMore American Express SmartEarn Credit Card comparisons
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