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Credit CardsComparisons

AU Bank iXIGO Credit Card vs Marriott Bonvoy HDFC

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

TravelCard A

AU Bank iXIGO Credit Card

ixigo Loyalists & Zero-Forex Travel

Annual Fee
Lifetime Free
Reward Rate
5 RP per ₹200 (~0.6-1.25% depending on redemption route)
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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

FeatureAU BankMarriott Bonvoy
Annual FeeLifetime Free (official fee ₹999 + GST waived via ixigo app channel)₹3,000 + taxes (No waiver under any condition)
Reward Rate5 RP per ₹200 (~0.6-1.25% depending on redemption route)Bonvoy Points
Best Forixigo Loyalists & Zero-Forex TravelHotel Loyalists
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAU BankMarriott Bonvoy
Domestic travel
International travel
Airport lounge access
Zero forex markup

Quick verdict

Choose AU Bank iXIGO Credit Card if:

  • Lower annual fee (₹Nil vs ₹3,000)
  • You spend heavily on zero forex markup

Choose Marriott Bonvoy HDFC if:

    Full pros & cons

    AU Bank iXIGO Credit Card

    What's good
    • 0% forex markup on all international transactions — saves ~4.13% vs standard cards for overseas spend
    • 8 complimentary domestic airport lounge visits/year (2/quarter) on ₹50,000+ quarterly spend
    • 8 complimentary railway lounge visits/year (no spend trigger)
    • Monthly ixigo travel discounts: 10% off flights (capped ₹1,000), 10% off buses (₹300), 5% off hotels (₹1,000)
    • Welcome benefit: ~₹1,500 in ixigo money vouchers on activation + first spend
    Watch out for
    • April 2026 devaluation: all domestic spends now earn a flat 5 RP per ₹200 — eliminated higher rates for ixigo bookings specifically
    • Zero rewards on international transactions (post-April 2026) — 0% forex saves money but earns nothing
    • Airport lounge access is spend-gated — requires ₹50,000 in the previous calendar quarter
    • RP value drops sharply outside ixigo: ₹0.25/point as statement credit vs ₹0.50 only as ixigo money
    • 10,000 RP monthly cap limits high-volume earners
    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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