HDFC Marriott Bonvoy vs HDFC MoneyBack+
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC MoneyBack+ wins 5-2. Entry-level cashback with very low waiver bar. 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 | HDFC MoneyBack+ |
|---|---|---|
| Annual fee | · ₹3,000 | ₹500 |
| Joining fee | · ₹3,000 | ₹500 |
| Top reward rate | 8% (travel) | · 5% (shopping) |
| Base reward rate | = 2% | = 2% |
| Forex markup | = N/A | = 3.5% |
| Welcome bonus | = 1 free night at any Marriott property + Marriott Bonvoy Silver Elite status | = 500 CashPoints on first transaction |
| Fee waiver threshold | · ₹800,000 / yr | ₹50,000 / yr |
| Min income | · ₹1,500,000 | ₹240,000 |
| Min credit score | · 770 | 720 |
| Editorial rating | 4.5/5 | · 4.1/5 |
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
HDFC MoneyBack+
- 5% on Amazon, Flipkart, Big Basket, Reliance Smart Bazaar (capped ₹1K/month)
- 2% on EMI transactions
- 1 fuel surcharge waiver
- Quarterly milestone vouchers
FAQ
›HDFC Marriott Bonvoy vs HDFC MoneyBack+: which is better?
HDFC MoneyBack+ wins on more dimensions (5 vs 2). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›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, HDFC MoneyBack+ 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. HDFC MoneyBack+: 500 CashPoints on first transaction.