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Credit CardsComparisons

Amex Platinum Reserve Credit Card vs Marriott Bonvoy HDFC

A head-to-head comparison of Amex Platinum Reserve Credit Card and Marriott Bonvoy HDFC across fees, rewards, and spending categories to help you decide which card suits your wallet better.

TravelCard A

Amex Platinum Reserve Credit Card

Domestic Premium Travel

Annual Fee
₹10,000
Reward Rate
1 MR per ₹50 (~0.8-1% via airline/hotel transfers) + Hotel privileges
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TravelCard B

Marriott Bonvoy HDFC

Hotel Loyalists

Annual Fee
₹3,000
Reward Rate
Bonvoy Points
Apply Now Read full review →

Feature comparison

FeatureAmex PlatinumMarriott Bonvoy
Annual Fee₹10,000 + GST (First-year & subsequent)₹3,000 + taxes (No waiver under any condition)
Reward Rate1 MR per ₹50 (~0.8-1% via airline/hotel transfers) + Hotel privilegesBonvoy Points
Best ForDomestic Premium TravelHotel Loyalists
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAmex PlatinumMarriott Bonvoy
Domestic travel
International travel
Airport lounge access

Quick verdict

Choose Amex Platinum Reserve Credit Card if:

    Choose Marriott Bonvoy HDFC if:

    • Lower annual fee (₹3,000 vs ₹10,000)
    • You spend heavily on international travel

    Full pros & cons

    Amex Platinum Reserve Credit Card

    What's good
    • Privileged rates and benefits at Taj, SeleQtions, and Vivanta Hotels
    • Complimentary domestic airport lounge access across India
    • Preferred Hotels & Resorts global access
    • Membership Rewards points earning with airline partner transfer options
    Watch out for
    • ₹10,000 + GST annual fee with no spend-based waiver
    • Amex acceptance still limited at smaller offline merchants in India
    • Domestic-focused — fewer international travel benefits than Platinum Charge
    Apply Now

    Marriott Bonvoy HDFC

    What's good
    • Annual free night award (up to 15,000 points) easily offsets the ₹3,000 fee
    • 12 domestic + 12 international lounge visits per year
    • Automatic Marriott Bonvoy Silver Elite status + 10 Elite Night Credits/year
    Watch out for
    • Bonvoy points strictly locked to the Marriott ecosystem
    • Annual fee not waivable under any condition — no spend-based waiver exists
    Apply Now
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