HDFC Marriott Bonvoy vs IndusInd Iconia Amex
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
HDFC Marriott Bonvoy wins 5-3. Marriott loyalists — every ₹150 = 8 Bonvoy points on Marriott + 2 elsewhere. IndusInd Iconia Amex is still the right call if mid-premium amex with annual-fee waiver from year 2..
Side-by-side
| Criterion | HDFC Marriott Bonvoy | IndusInd Iconia Amex |
|---|---|---|
| Annual fee | · ₹3,000 | No annual fee |
| Joining fee | ₹3,000 | · ₹3,500 |
| Top reward rate | 8% (travel) | · 5% (shopping) |
| Base reward rate | 2% | · 1.5% |
| Forex markup | 1.99% | · 3.5% |
| Welcome bonus | = 1 free night at any Marriott property + Marriott Bonvoy Silver Elite status | = 4,000 reward points + Yatra voucher |
| Fee waiver threshold | · ₹800,000 / yr | N/A (no fee) |
| Min income | · ₹1,500,000 | ₹600,000 |
| Min credit score | = 770 | = 770 |
| Editorial rating | 4.5/5 | · 4.2/5 |
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
IndusInd Iconia Amex
- 10 reward points per ₹100 on weekend dining + grocery
- 4 international + 8 domestic lounge visits/year
- Annual fee waived from year 2 (lifetime)
- 1% fuel surcharge waiver
- Buy-1-get-1 BookMyShow
FAQ
›HDFC Marriott Bonvoy vs IndusInd Iconia Amex: which is better?
HDFC Marriott Bonvoy 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, IndusInd Iconia Amex 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. IndusInd Iconia Amex: 4,000 reward points + Yatra voucher.