American Express® Gold Card vs HDFC Bank MoneyBack+ Credit Card

Joining Fees

₹1,000

₹500

Editor's Rating

3.8

4

Key Features

  • Welcome Gift of 4,000 Bonus Membership Rewards® Points
  • Get benefits on travel bookings with American Express Travel Online
  • Avail access to valuable travel benefits under The Hotel Collection: Get a room upgrade (where available) and a US$100 hotel credit while staying two consecutive nights at over 400 hotels worldwide including Hilton Hotels, Intercontinental and Hyatt Hotels 
  • Avail 2 Supplementary Gold Credit Cards at no additional cost
  • Welcome/Renewal Benefit: Earn 500 Cash Points, this is applicable only on the payment of the membership fee
  • Spend Rs. 50,000 or more in a year before the Credit Card renewal date and get the renewal fee waived off
  • Get 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy
  • Get 5X CashPoints on EMI spends at merchant locations
  • Get 2 CashPoints per Rs. 150 spent on other spends 
  • Earn 500 gift voucher on spends of Rs. 50,000 per calendar quarter
  • Enjoy up to 20% discount on partnered restaurants via Swiggy Dineout
  • Starting from January 1st, 2023, the maximum number of reward points that can be earned each month on grocery transactions will be limited to 1,000
  • For Rupay Credit Cardholders, UPI spends will earn 2 RPs for every Rs. 150 spent. The reward points are capped at 500 per calendar month
  • Zero lost Card liability 
  • You can enjoy an interest-free period of up to 50 days from the date of your purchase
  • Enjoy Revolving Credit at a nominal interest rate
  • Enjoy amazing dining benefits with the Good Food Trail program 
  • Get up to 20% off on all restaurant bills via Swiggy Dineout (20k+ restaurants). Offer includes both restaurant and Swiggy discount. Valid only on payments via the Swiggy App
  • 1% Fuel Surcharge waiver on fuel transactions between Rs. 400 and Rs. 5,000
  • Quarterly Spend-based benefit: Get a Rs. 500 gift voucher every quarter on spends of over Rs. 50,000. Earn up to Rs. 2,000 worth vouchers in a year
  • Convert your big spends into EMI after purchase
  • The card is enabled for contactless payments

Editor's Review

Pros

  • Earn 1,000 Bonus Membership Rewards Points for simply using your Card 6 times on transactions of Rs. 1,000 and above every month
  • Redeem points for the fabulous 18 Carat and 24 Carat Gold Collection
  • Enjoy greater flexibility in spending with "no pre-set" limit

Cons

  • The travel rewards can only be redeemed through amextravel.com
  • Variable APR/Interest Rates

Pros

  • Get 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy
  • Get 5X CashPoints on EMI spends at merchant locations, and get 2 CashPoints per Rs. 150 spent on other spends 
  • Earn 500 gift voucher on spends of Rs. 50,000 per calendar quarter

Cons

  • No golf benefits are provided
  • No airport lounge access


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