Head-to-head · 🇮🇳 India
HDFC Marriott Bonvoy vs ICICI MMT Signature
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
HDFC Bank
HDFC Marriott Bonvoy
DINERS CLUB
Wins 4 of 10
IN
ICICI Bank
ICICI MMT Signature
Wins 4 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | HDFC Marriott Bonvoy | ICICI MMT Signature |
|---|---|---|
| Annual fee | · ₹3,000 | ₹2,500 |
| Joining fee | · ₹3,000 | ₹2,500 |
| Top reward rate | 8% (travel) | · 6% (travel) |
| Base reward rate | 2% | · 1.5% |
| Forex markup | 1.99% | · 2.5% |
| Welcome bonus | = 1 free night at any Marriott property + Marriott Bonvoy Silver Elite status | = ₹2,500 MMT Black holidays voucher |
| Fee waiver threshold | · ₹800,000 / yr | ₹600,000 / yr |
| Min income | · ₹1,500,000 | ₹800,000 |
| Min credit score | = 770 | = 770 |
| Editorial rating | 4.5/5 | · 4.4/5 |
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
ICICI MMT Signature
- 6% myCash on flight + hotel bookings via MMT
- 3% myCash on dining + grocery
- 1.5% on others
- 4 international + 4 domestic lounge visits/year
- MMT Black membership
FAQ
›HDFC Marriott Bonvoy vs ICICI MMT Signature: which is better?
It's a true tie — pick the one whose boost categories match your spend. HDFC Marriott Bonvoy wins on 4 criteria, ICICI MMT Signature on 4.
›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, ICICI MMT Signature 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. ICICI MMT Signature: ₹2,500 MMT Black holidays voucher.