HDFC Marriott Bonvoy vs SBI Prime
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
SBI Prime wins 5-4. Step up from SimplyClick with lounge access. 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 | SBI Prime |
|---|---|---|
| Annual fee | · ₹3,000 | ₹2,999 |
| Joining fee | · ₹3,000 | ₹2,999 |
| Top reward rate | 8% (travel) | · 5% (shopping) |
| Base reward rate | 2% | · 1.25% |
| Forex markup | 1.99% | · 3.5% |
| Welcome bonus | = 1 free night at any Marriott property + Marriott Bonvoy Silver Elite status | = ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra) |
| Fee waiver threshold | · ₹800,000 / yr | ₹300,000 / yr |
| Min income | · ₹1,500,000 | ₹480,000 |
| Min credit score | · 770 | 750 |
| 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
SBI Prime
- 10x reward points on dining + grocery + departmental + movies
- 5x on utility bill payments
- 8 domestic + 4 international lounge visits/year
- Club Vistara Silver + Trident Privilege Red
FAQ
›HDFC Marriott Bonvoy vs SBI Prime: which is better?
SBI Prime wins on more dimensions (5 vs 4). 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 Prime 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 Prime: ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra).