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| Feature | American Express American Express Platinum Travel Credit Card | HDFC Bank Marriott Bonvoy HDFC Bank Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | American Express | HDFC Bank |
| Network | Amex | Diners Club |
| Annual fee | ₹5,000 + GST per year | ₹3,000 + GST per year |
| Annual fee waiver | No waiver recorded | No waiver recorded |
| Base reward rate | 0.6% | 0.7% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 0.6% · Eligible Membership Rewards | 1.3% · Travel, dining and entertainment rewards |
| Entertainment & movies | 0.6% · Eligible Membership Rewards | 1.3% · Travel, dining and entertainment rewards |
| Travel & hotels | 0.6% · Eligible Membership Rewards | 1.3% · Participating Marriott hotel rewards |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | 8 domestic airport lounge visits per year | 12 domestic airport lounge visits per year • 12 international airport lounge visits per year |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Approx. ₹50,000/month | Approx. ₹1,00,000/month salaried · ₹1,25,000/month self-employed |
| Terms verified | 13 Sept 2026 | 13 Sept 2026 |
| Best suited to | Households with predictable annual spend who value Membership Rewards and Taj stays. | Frequent Marriott/Bonvoy hotel guests who want elite status alongside their spending. |
| Main trade-off | New applications are temporarily paused. Reward Multiplier ends on 30 September 2026; GainFair does not count it as an ongoing earn route. | GainFair uses a conservative ₹0.50 per Bonvoy point and scores the generic 4-points-per-₹150 travel rate; the 8-point rate applies only when charged directly by participating Marriott properties. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
