HDFC Marriott Bonvoy vs Kotak White
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. Kotak White is still the right call if mid-premium kotak card; rewards come from milestone white pass value, not a per-spend rate..
Side-by-side
| Criterion | HDFC Marriott Bonvoy | Kotak White |
|---|---|---|
| Annual fee | = ₹3,000 | = ₹3,000 |
| Joining fee | = ₹3,000 | = ₹3,000 |
| Top reward rate | 8% (travel) | · Milestone |
| Base reward rate | 2% | · Milestone |
| Forex markup | = N/A | = 3.5% |
| Welcome bonus | = 1 free night at any Marriott property + Marriott Bonvoy Silver Elite status | = White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up |
| Fee waiver threshold | · ₹800,000 / yr | ₹500,000 / yr |
| Min income | ₹1,500,000 | · ₹2,500,000 |
| Min credit score | 770 | · N/A |
| 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
Kotak White
- Milestone White Pass rewards, up to ₹27,000 per year on ₹12 lakh spend
- 3.5% forex markup
- Annual fee waived at ₹5 lakh annual spend
FAQ
›HDFC Marriott Bonvoy vs Kotak White: 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, Kotak White 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. Kotak White: White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up.