HDFC Marriott Bonvoy vs HDFC Regalia
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Regalia wins 5-3. Mid-tier travel without the Regalia Gold price tag. 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 Regalia |
|---|---|---|
| Annual fee | · ₹3,000 | ₹2,500 |
| Joining fee | · ₹3,000 | ₹2,500 |
| Top reward rate | 8% (travel) | · 2.7% (general) |
| Base reward rate | · 2% | 2.7% |
| Forex markup | 1.99% | · 2% |
| Welcome bonus | = 1 free night at any Marriott property + Marriott Bonvoy Silver Elite status | = 2,500 reward points on first 90-day spend |
| Fee waiver threshold | · ₹800,000 / yr | ₹300,000 / yr |
| Min income | · ₹1,500,000 | ₹1,200,000 |
| Min credit score | = 770 | = 770 |
| Editorial rating | 4.5/5 | · 4.3/5 |
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 Regalia
- 4 reward points per ₹150
- 12 domestic + 6 international lounge visits/year
- Low forex markup 2%
- Buy-1-get-1 BookMyShow tickets
- Milestone reward points at ₹1L, ₹5L
FAQ
›HDFC Marriott Bonvoy vs HDFC Regalia: which is better?
HDFC Regalia 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 Regalia 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 Regalia: 2,500 reward points on first 90-day spend.