HDFC Marriott Bonvoy vs HDFC MoneyBack+
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC MoneyBack+ wins 5-3. Entry-level cashback with very low waiver bar. HDFC Marriott Bonvoy is still the right call if marriott loyalists — every ₹150 = 8 bonvoy points on marriott + 2 elsewhere..
Side-by-side
| Criterion | HDFC Marriott Bonvoy | HDFC MoneyBack+ |
|---|---|---|
| Annual fee | · ₹3,000 | ₹500 |
| Joining fee | · ₹3,000 | ₹500 |
| Top reward rate | 8% (travel) | · 5% (shopping) |
| Base reward rate | = 2% | = 2% |
| Forex markup | 1.99% | · 3.5% |
| Welcome bonus | = 1 free night at any Marriott property + Marriott Bonvoy Silver Elite status | = 500 CashPoints on first transaction |
| Fee waiver threshold | · ₹800,000 / yr | ₹50,000 / yr |
| Min income | · ₹1,500,000 | ₹240,000 |
| Min credit score | · 770 | 720 |
| Editorial rating | 4.5/5 | · 4.1/5 |
Benefits compared
HDFC Marriott Bonvoy
- 8 Bonvoy points per ₹150 on Marriott
- 4 Bonvoy points per ₹150 on travel + dining
- 2 Bonvoy points per ₹150 on everything else
- 1 free night annually at Marriott (up to 15K Bonvoy point value)
- Marriott Bonvoy Silver Elite status (15 elite night credits)
- 8 international + 8 domestic lounge visits/year
HDFC MoneyBack+
- 5% on Amazon, Flipkart, Big Basket, Reliance Smart Bazaar (capped ₹1K/month)
- 2% on EMI transactions
- 1 fuel surcharge waiver
- Quarterly milestone vouchers
FAQ
›HDFC Marriott Bonvoy vs HDFC MoneyBack+: which is better?
HDFC MoneyBack+ wins on more dimensions (5 vs 3). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use HDFC Marriott Bonvoy for its best categories, HDFC MoneyBack+ for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Marriott Bonvoy: 1 free night at any Marriott property + Marriott Bonvoy Silver Elite status. HDFC MoneyBack+: 500 CashPoints on first transaction.