HDFC Marriott Bonvoy vs SBI ELITE
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Marriott Bonvoy wins 5-1. Marriott loyalists — every ₹150 = 8 Bonvoy points on Marriott + 2 elsewhere. SBI ELITE is still the right call if mid-premium sbi card with strong club benefits..
Side-by-side
| Criterion | HDFC Marriott Bonvoy | SBI ELITE |
|---|---|---|
| Annual fee | ₹3,000 | · ₹4,999 |
| Joining fee | ₹3,000 | · ₹4,999 |
| Top reward rate | 8% (travel) | · 2% (general) |
| 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 | = 5,000 bonus reward points + ₹5,000 e-gift voucher |
| Fee waiver threshold | ₹800,000 / yr | · ₹1,000,000 / yr |
| Min income | · ₹1,500,000 | ₹600,000 |
| 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
SBI ELITE
- 2 reward points per ₹100
- Free movie tickets (BookMyShow) up to ₹6K/year
- 6 international + 8 domestic lounge visits/year
- Club Vistara Silver + Trident Privilege Red
- Milestone benefits at ₹3L, ₹4L, ₹5L
FAQ
›HDFC Marriott Bonvoy vs SBI ELITE: which is better?
HDFC Marriott Bonvoy wins on more dimensions (5 vs 1). 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 ELITE 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 ELITE: 5,000 bonus reward points + ₹5,000 e-gift voucher.