HDFC Pine Labs Pro Credit Card vs American Express Gold Card: mid-range cards compared
HDFC Pine Labs Pro Credit Card costs ₹1,000 a year to keep; American Express Gold Card costs ₹4,500. On most spends, HDFC Pine Labs Pro Credit Card returns about 1.66% and American Express Gold Card about 0.80%. Lounge visits: HDFC Pine Labs Pro Credit Card gives 8 a year in India and None abroad; American Express Gold Card gives None and None. The income needed to apply is ₹3,00,000 a year for HDFC Pine Labs Pro Credit Card and ₹6,00,000 for American Express Gold Card.
| HDFC Pine Labs Pro Credit Card | American Express Gold Card | |
|---|---|---|
| Issuer | HDFC Bank | American Express |
| Network | Visa | American Express |
| Joining fee | ₹1,000 | ₹1,000 |
| Annual fee | ₹1,000 | ₹4,500 |
| Base return on spends | 1.66% | 0.80% |
| Domestic lounges | 8 a year | None |
| International lounges | None | None |
| Minimum income | ₹3,00,000 a year | ₹6,00,000 a year |
| Best for | pine_labs_pos, smartbuy_payzapp | online_shopping, dining |
How to read this
Fees, lounge access and eligibility come from each issuer's own documents. The base return is what most everyday spends earn after converting points to rupees, before category bonuses and caps. Qrates takes no commission from any issuer.
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