HDFC Marriott Bonvoy vs SBI Air India Signature
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Marriott Bonvoy wins 4-2. Marriott loyalists — every ₹150 = 8 Bonvoy points on Marriott + 2 elsewhere. SBI Air India Signature is still the right call if air india loyalists — highest miles earn on ai bookings..
Side-by-side
| Criterion | HDFC Marriott Bonvoy | SBI Air India Signature |
|---|---|---|
| Annual fee | ₹3,000 | · ₹4,999 |
| Joining fee | ₹3,000 | · ₹4,999 |
| Top reward rate | = 8% (travel) | = 8% (travel) |
| Base reward rate | = 2% | = 2% |
| Forex markup | = 1.99% | = 1.99% |
| Welcome bonus | = 1 free night at any Marriott property + Marriott Bonvoy Silver Elite status | = 20,000 Air India reward points |
| Fee waiver threshold | · ₹800,000 / yr | ₹500,000 / yr |
| Min income | · ₹1,500,000 | ₹1,200,000 |
| Min credit score | 770 | · 780 |
| 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
SBI Air India Signature
- 30 AI reward points per ₹100 on Air India bookings
- 4 reward points per ₹100 on others
- Air India Maharajah Club Silver
- 8 international + 8 domestic lounge visits/year
- Free Air India ticket on ₹5L spend
FAQ
›HDFC Marriott Bonvoy vs SBI Air India Signature: which is better?
HDFC Marriott Bonvoy wins on more dimensions (4 vs 2). 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, SBI Air India 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. SBI Air India Signature: 20,000 Air India reward points.