Amazon Pay ICICI vs HDFC Marriott Bonvoy
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Amazon Pay ICICI wins 5-4. Heavy Amazon shoppers — best free card in India HDFC Marriott Bonvoy is still the right call if marriott loyalists — every ₹150 = 8 bonvoy points on marriott + 2 elsewhere..
Side-by-side
| Criterion | Amazon Pay ICICI | HDFC Marriott Bonvoy |
|---|---|---|
| Annual fee | No annual fee | · ₹3,000 |
| Joining fee | None | · ₹3,000 |
| Top reward rate | · 5% (shopping) | 8% (travel) |
| Base reward rate | · 1% | 2% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = ₹500 Amazon Pay balance on first transaction | = 1 free night at any Marriott property + Marriott Bonvoy Silver Elite status |
| Fee waiver threshold | · N/A (no fee) | ₹800,000 / yr |
| Min income | ₹300,000 | · ₹1,500,000 |
| Min credit score | 720 | · 770 |
| Editorial rating | 4.7/5 | · 4.5/5 |
Benefits compared
Amazon Pay ICICI
- 5% cashback on Amazon for Prime members (3% non-Prime)
- 2% cashback on 100+ Amazon Pay merchants (Swiggy, BigBasket, MakeMyTrip)
- 1% cashback on every other transaction
- No annual fee, no joining fee, ever
- 1% fuel surcharge waiver
- No reward expiry, no minimum redemption
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
FAQ
›Amazon Pay ICICI vs HDFC Marriott Bonvoy: which is better?
Amazon Pay ICICI 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 Amazon Pay ICICI for its best categories, HDFC Marriott Bonvoy for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amazon Pay ICICI: ₹500 Amazon Pay balance on first transaction. HDFC Marriott Bonvoy: 1 free night at any Marriott property + Marriott Bonvoy Silver Elite status.