Marriott Bonvoy HDFC Bank Credit Card vs ICICI Sapphiro Credit Card

* Avail 8 Marriott Bonvoy Points per Rs. 150 spent at hotels participating in Marriott Bonvoy
* Avail 4 Marriott Bonvoy Points per Rs. 150 spent on dining, entertainment, and travel
* Avail 2 Marriott Bonvoy Points per Rs. 150 spent on all other applicable purchases
* Get Complimentary Golf Access 2 per quarter across the globe (Green Fee Waiver)
* Zero Lost card liability
* Foreign Currency Markup is 3.5% on all foreign currency spends
* Enjoy Revolving Credit on Marriott Bonvoy HDFC Bank Credit Card at nominal interest rate
* Avail 12 Complimentary domestic and international terminals access within India using the Marriott Bonvoy HDFC Bank Credit Card each year
* Avail 12 Complimentary airport lounge access outside India each year
* Get 1 Free Night Award on Eligible Spends of Rs. 6 lakhs in an Anniversary Year
* Get 1 Free Night Award on Eligible Spends of Rs. 9 lakhs in an Anniversary Year
* Get 1 Free Night Award on Eligible Spends of Rs. 15 lakhs in an Anniversary Year
* Avail Delay or loss of checked-in baggage cover of up to $250
* Loss of travel documents cover of up to $250
* Flight delay cover of up to $250
* Air accidental cover of up to $12,500
* Emergency medical expenses cover of up to $18,750
* Credit shield of up to Rs. 100,000
* Loss liability cover of up to Rs. 100,000
* Exclusive Concierge Services
* You can convert big spends into EMI after purchases
*  Marriott Bonvoy HDFC Bank Credit Card is enabled for contactless payments

• Get up to 20,000 PAYBACK points every anniversary year

• 4 complimentary Domestic Airport Lounge visits per quarter, courtesy of Mastercard and American Express
• 2 complimentary International Airport Lounge visits per calendar year and 2 complimentary Domestic Airport Spa visits per calendar year, under complimentary membership to Dreamfolks DragonPass Lounge Access Programme
• Enjoy up to 4 complimentary rounds of Golf every month at the Golf course of your choice based on eligible spends on your card
• Buy one movie/event ticket and get up to Rs 500 off on the second ticket, twice every month, through www.bookmyshow.com
• Minimum 15% savings on dining bills at over 2,500+ restaurants across India through Culinary Treats Programme
• Powerful Rewards Plan: You can redeem your PAYBACK Points from many options – from movie and travel vouchers to lifestyle products, mobiles, appliances and more
• Earn bonus rewards of up to 6 PAYBACK Points on every Rs. 100 spent
• Under the new Milestone Rewards program, get 4,000 PAYBACK Points on spending Rs. 4,00,000 on your card and 2,000 PAYBACK Points each time you cross Rs. 1,00,000 spend thereafter in an anniversary year; maximum of 20,000 PAYBACK Points per year
• Get 1 PAYBACK Points on every Rs. 100 spent on fuel, utilities and insurance categories
• Earn 50% more rewards on your ICICI Bank Sapphiro American Express® Credit Card
• Savings: ICICI Bank Sapphiro Credit Card can deliver savings of Rs 1,95,030 every year 
• 1% fuel surcharge waiver is available on all transactions below Rs 4,000. Fuel surcharge waiver is available on fuel purchases at all petrol pumps
• Complimentary DragonPass Member, it's world’s first all-in-one Digital Airport platform. As a member, gain access to 450 comfortable and luxurious airport lounges across 115 countries around the globe
• Gain two complimentary Airport Lounge visits outside India and two spa sessions at selected airports in India every year, through complimentary Dreamfolks DragonPass membership. While waiting in airports, discover exciting offers from shopping, restaurants to limos on DragonPass app. Annual Membership Fee, which is USD 99, for Dreamfolks DragonPass is complimentary. You only pay for the lounge visit charges for visits done over and above the complimentary accesses
• Airport Lounge Access American Express: Avail complimentary access to selected lounges at airports in India
• Mastercard: With ICICI Bank Sapphiro Mastercard Credit Card to enjoy exclusive access to premium Mastercard airport lounges in India. Four complimentary accesses to select lounges at airports in India every quarter
• Complimentary rounds of Golf every month: Get complimentary Golf Round / Lesson for every Rs. 50,000 retail spends in the previous calendar month, maximum 4 rounds every month
• American Express® ezeClick: With American Express ezeClick, shop faster, smarter and secured way via online payment solution
• American Express EPAY simplifies the process of paying utility bills
• Mastercard Privileges: The Mastercard Moments is an exclusive programme for Mastercard Cardholders. It hosts exceptional experiences to inspire and enrich the cardholders lives 

Pros

* Avail elite privileges on Marriott hotel bookings
* Get international and domestic airport lounges access
* Get access to Marriott Bonvoy Silver Elite Status 
* As welcome and milestone benefits, get Free Night Stays at Marriott

Cons

* There are no general travel benefits
* The features to co-branded hotel bookings are limited
* The base reward rate is low
* There’s no Priority Pass membership
* There’s no card renewal benefits or fee waiver option

Pros

• Buy one movie/event ticket and get up to Rs 500 off on the second ticket, twice every month, through www.bookmyshow.com
• Redeem PAYBACK Points from many options – from movie and travel vouchers to lifestyle products, mobiles, appliances and more
• Complimentary Domestic Airport Spa visits

Cons

• Average Reward Rate
• High-Interest Rate

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