Marriott Bonvoy HDFC Bank Credit Card vs IRCTC HDFC Bank Credit Card
Joining Fees
₹3,000
₹500
Editor's Rating
4.03
3.7
Key Features
* 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
- Avail 5 Reward Points for every Rs. 100 spent on the IRCTC ticketing website and Rail Connect App
- Get 1 Reward Point for every Rs. 100 spent on all other spends
- Avail an additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy
- 8 complimentary access to selected IRCTC Executive Lounges every year (2 per quarter)
- Get a 1% transaction charges waiver on transactions done on the IRCTC ticketing website and Rail Connect App
- Spend Rs. 1,50,000 or more in one year before Credit Card renewal and get the renewal fee waived off
- Up to 50 days of interest-free period from the date of purchase
- Revolving Credit available at a nominal interest rate
- 1% fuel surcharge waiver at all fuel stations in India on transactions between Rs. 400 and Rs. 5,000
- Milestone Benefits: Get a gift voucher valued at Rs. 500 when you make quarterly spends of Rs. 30,000 or more (every 90 days from the date of issue)
- IRCTC Executive Lounge Benefits: Get 8 complimentary access to selected IRCTC Executive Lounges every year (2 per quarter)
- It is now possible to link IRCTC HDFC Bank Credit Card to select UPI apps: PayZapp/ GPay/ PhonePe/ Mobikwik/ PayTM/ BHIM/ Slice
- A maximum of 500 reward points can be earned on UPI spends in a calendar month using the IRCTC HDFC Bank Credit Card
- Convert big spends into EMI after purchase
- The IRCTC HDFC Bank Credit Card is equipped with contactless payment technology for added convenience and speed
Editor's Review
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
- Complimentary access to Executive Lounges of IRTC
- 5 Reward Points for every Rs. 100 spent on the IRCTC ticketing website and Rail Connect App
- Get 1 Reward Point for every Rs. 100 spent on all other spends
Cons
- No golf benefits are provided
- No airport lounge access
- No movie and dining benefits
