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| Feature | HDFC Bank Marriott Bonvoy HDFC Bank Credit Card | IndusInd Bank IndusInd Bank Tiger Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HDFC Bank | IndusInd Bank |
| Network | Diners Club | Visa |
| Annual fee | ₹3,000 + GST per year | Lifetime free |
| Annual fee waiver | No waiver recorded | Not required |
| Base reward rate | 0.7% | 0.4% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 1.3% · Travel, dining and entertainment rewards | 0.4% · Incremental anniversary-year reward slabs |
| Entertainment & movies | 1.3% · Travel, dining and entertainment rewards | 0.4% · Incremental anniversary-year reward slabs |
| Travel & hotels | 1.3% · Participating Marriott hotel rewards | 0.4% · Incremental anniversary-year reward slabs |
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 | 12 domestic airport lounge visits per year • 12 international airport lounge visits per year | 8 domestic airport lounge visits per year • 2 international airport lounge visits per year |
| Forex markup | 3.5% | 1.5% |
| Monthly income requirement | Approx. ₹1,00,000/month salaried · ₹1,25,000/month self-employed | Not listed |
| Terms verified | 13 Sept 2026 | 13 Sept 2026 |
| Best suited to | Frequent Marriott/Bonvoy hotel guests who want elite status alongside their spending. | Frequent travellers who want lounge access and low forex costs without an annual fee. |
| Main trade-off | 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. | Higher reward multipliers apply only to incremental spending after each anniversary-year threshold, not to selected shopping or travel categories. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
