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Marriott Bonvoy HDFC Bank Credit Card vs SBI Card AURUM
On net annual value, SBI Card AURUM beats Marriott Bonvoy HDFC Bank in all four spend profiles we model, by ₹126 to ₹59,640 a year. SBI Card AURUM is issued by invitation only, while Marriott Bonvoy HDFC Bank is open to applications. Marriott Bonvoy HDFC Bank costs ₹3,000 a year against ₹9,999. SBI Card AURUM offers unlimited international lounge access. Figures as of .
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Who comes out ahead — by how you spend
Estimated net annual value for four typical spend profiles: the rewards each card earns on that spend (a merchant or portal bonus only on the share of spend it plausibly reaches), plus the perks and milestone bonuses that spender would use, less any annual fee the spend does not waive (with GST) and the forex markup on spending abroad. Lounge access carries no rupee value here.
| Spender | Marriott Bonvoy HDFC Bank Credit Card | SBI Card AURUM |
|---|---|---|
Everyday spender ≈ ₹40k/mo across groceries, bills, dining and fuel | ₹3,175/yr | ₹3,301/yr✓ +₹126/yr |
Online shopper ≈ ₹60k/mo, mostly e-commerce and subscriptions | ₹5,475/yr | ₹7,900/yr✓ +₹2,425/yr |
Frequent traveller ≈ ₹1.2L/mo with heavy travel and forex spend | ₹7,452/yr | ₹32,922/yr✓ +₹25,470/yr |
High spender ≈ ₹2.5L/mo across every category | ₹14,108/yr | ₹73,748/yr✓ +₹59,640/yr |
Not in these numbers: both include airport lounge access — real perks that can outweigh a small gap.
Illustrative profiles, not a personalised result — your categories decide the real winner. Run these two on my spending →
What your points are actually worth
A point's headline value means little without the earn rate behind it. Here's the real math — the value of a point by how you redeem it, the resulting return by category, and the net rupees for your own spend.
| Value of one point, by route | Marriott Bonvoy HDFC Bank Credit CardMarriott Bonvoy Points | SBI Card AURUMSBI Reward Points |
|---|---|---|
| Cash / statement credit | — | ₹0.25BEST |
| Gift vouchers | — | ₹0.25BEST |
| Travel portal | ₹0.60BEST | — |
| Airline / hotel transfer | — | ₹0.205:1 |
Return by categoryearn rate × point value
Headline reward rate per category, before monthly caps. Switch the redemption strategy above to see how the picture shifts.
Your spend, head to head
Enter your monthly spend — net value is the annual rewards after the card fee, at each card's best realistic redemption (our recommender's model, caps and fee-waivers included).
Total ₹60,000/mo · ₹7,20,000/yr
Want the money-first pick across your whole wallet? Run the recommender →
| Marriott Bonvoy HDFC Bank Credit Card | SBI Card AURUM | |
|---|---|---|
| Fees | ||
| Joining fee | ₹3,000 | ₹9,999 |
| Annual fee | ₹3,000/yr ✓ | ₹9,999/yr |
| Annual fee — all-in (incl. 18% GST) | ₹3,540 ✓ | ₹11,799 |
| Fee waiver at | — | ₹12,00,000/yr spend |
| Welcome benefit | ~₹9,000 | ~₹10,000 |
| Rewards | ||
| Best everyday reward | 1.6% on Dining ✓ | 1% on everyday spends |
| Dining | 1.6% ✓ | 1% |
| Groceries | 0.8% | 1% ✓ |
| Base rate — other spends | 0.8% | 1% ✓ |
| Travel | 1.6% ✓ | 1% |
| Charges | ||
| Forex markup | 3.5% | 1.99% ✓ |
| Finance charge | 3.6% p.m. | 3.75% p.m. |
| Cash advance | — | — |
| Add-on card | — | — |
| Perks | ||
| cobranded ott | — | ~₹2,500/yr · Complimentary 1-year digital subscriptions to The Wall Street Journal and Mint |
| concierge | ✓ · 24x7 concierge services for travel, dining and lifestyle | ✓ · 24x7 dedicated concierge for travel, dining and lifestyle requests |
| fuel waiver | — | ~₹3,000/yr · 1% fuel surcharge waiver on transactions of ₹500–₹4,000, capped at ₹250 per statement cycle per card account |
| golf | ~₹8,000/yr · 2 complimentary golf course accesses and 2 golf lessons per quarter, at courses across the world | ~₹12,000/yr · 16 complimentary golf rounds a year (4 per quarter) plus 12 complimentary golf lessons |
| hotel membership | ~₹9,000/yr · Complimentary Marriott Bonvoy Silver Elite status, 10 Elite Night Credits a year, and a renewal Free Night Award redeemable at or under 15,000 points — valid 12 months, not transferable | ~₹10,000/yr · Complimentary 1-year Club Marriott membership (member rates and dining discounts across participating Marriott properties). Our estimate discounts the ~₹14,000 list price for typical use |
| insurance | — | ~₹2,000/yr · Air accident cover ₹3.5 crore, travel insurance ₹1 lakh, lost-card and fraud protection ₹10 lakh, and two flight-cancellation refunds a year |
| lounge access | ~₹18,000/yr · 12 domestic and 12 international airport lounge visits a year, with no spend condition | ~₹20,000/yr · 16 domestic lounge visits a year (4 per quarter, add-on cardholders included) + unlimited international access via a complimentary DreamFolks membership, plus one guest visit per quarter. The ₹ figure is our internal estimate — SBI publishes the counts, not a value |
| milestone bonus | ~₹9,000/yr · An additional Free Night Award (up to 15,000 points) on ₹6 lakh of eligible spend in an anniversary year. Qualifying spend excludes fuel, wallet reloads and rent; each award is valid 12 months and cannot be transferred or gifted. | ~₹5,000/yr · ₹5,000 Tata CLiQ Luxury voucher on ₹5 lakh annual spend |
| movie ticket | — | ~₹12,000/yr · Movie tickets worth ₹1,000 every month on BookMyShow — 2 free tickets per booking, max ₹500 discount per booking (₹250 a ticket), minimum 24 hours between bookings |
| Eligibility | ||
| Min income | ₹1,00,000/mo | — |
| Min age | 21+ yrs | — |
| UPI linked | — | — |
| Expert rating | 4.2 / 5 ✓ | 3.9 / 5 |
Reward rates above are the realistic value you keep — points earned × what a point is worth at each card's own best redemption, before monthly caps — so cards with different point values compare fairly. Bank-portal accelerators (earned only by booking through the issuer's own portal, on a slice of spend) are bounded upside, listed separately here rather than blended into the everyday rates.
Which should you pick?
Choose the Marriott Bonvoy HDFC Bank Credit Card if you want strong rewards on dining at a lower annual fee. Consider the SBI Card AURUM if you spend more on everyday spends. Your actual best card depends on how you spend — run your numbers below.
Marriott Bonvoy HDFC Bank Credit Card vs SBI Card AURUM — FAQs
Which has a lower annual fee, Marriott Bonvoy HDFC Bank Credit Card or SBI Card AURUM?
As of 24 Oct 2026, Marriott Bonvoy HDFC Bank has the lower annual fee: ₹3,000 (₹3,540 with 18% GST), against ₹9,999 (₹11,799 with 18% GST) on SBI Card AURUM. SBI Card AURUM waives its fee after ₹12,00,000 of spend in a card year; Marriott Bonvoy HDFC Bank has no spend-based waiver.
Do Marriott Bonvoy HDFC Bank Credit Card and SBI Card AURUM offer airport lounge access?
As of 24 Oct 2026, Marriott Bonvoy HDFC Bank and SBI Card AURUM both include airport lounge access, on different terms. Marriott Bonvoy HDFC Bank lists 12 domestic visits a year and 12 international visits a year at airport lounges, with no spend condition. SBI Card AURUM lists 16 domestic visits a year (4 a quarter) and unlimited international access at airport lounges.
Which card has lower forex markup, Marriott Bonvoy HDFC Bank Credit Card or SBI Card AURUM?
As of 24 Oct 2026, SBI Card AURUM has the lower forex markup: 1.99%, against 3.5% on Marriott Bonvoy HDFC Bank. With 18% GST on the markup, ₹1,00,000 spent abroad costs about ₹2,348 extra on SBI Card AURUM and ₹4,130 on Marriott Bonvoy HDFC Bank, a ₹1,782 difference.
For a frequent traveller, is the Marriott Bonvoy HDFC Bank Credit Card or SBI Card AURUM better value?
On figures as of 24 Oct 2026, SBI Card AURUM comes out ahead for a frequent traveller (about ₹1.2 lakh a month with heavy travel and forex spend), with a net annual value (rewards, perks and milestones, less the annual fee and forex markup) of ₹32,922 against ₹7,452 on Marriott Bonvoy HDFC Bank, a ₹25,470 gap. That figure includes the forex markup on this traveller's spend abroad, where SBI Card AURUM charges 1.99% against 3.5% on Marriott Bonvoy HDFC Bank.
For everyday spending, which returns more: Marriott Bonvoy HDFC Bank Credit Card or SBI Card AURUM?
On figures as of 24 Oct 2026, SBI Card AURUM comes out ahead for an everyday spender (about ₹40,000 a month across groceries, bills, dining and fuel), with a net annual value (rewards, perks and milestones, less the annual fee and forex markup) of ₹3,301 against ₹3,175 on Marriott Bonvoy HDFC Bank, a ₹126 gap. Best everyday rates: 1.6% on dining for Marriott Bonvoy HDFC Bank, 1% on everyday spends for SBI Card AURUM.
Which is better, Marriott Bonvoy HDFC Bank Credit Card or SBI Card AURUM?
As of 24 Oct 2026, Marriott Bonvoy HDFC Bank earns 1.6% on dining at best, paid as Marriott Bonvoy Points, and SBI Card AURUM earns 1% on everyday spends at best, paid as SBI Reward Points. SBI Card AURUM comes out ahead on net annual value in all four spend profiles we model. Of the two, only Marriott Bonvoy HDFC Bank takes applications today; SBI Card AURUM is issued by invitation only.