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Credit CardsComparisons

ICICI Sapphiro Credit Card vs Marriott Bonvoy HDFC

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

TravelCard A

ICICI Sapphiro Credit Card

Mid-Premium Travellers

Annual Fee
₹3,500
Reward Rate
2 RP per ₹100 domestic (0.5% value)
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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

FeatureICICI SapphiroMarriott Bonvoy
Annual Fee₹3,500 + GST; Joining ₹6,500 + GST (Waived on ₹6L annual spend)₹3,000 + taxes (No waiver under any condition)
Reward Rate2 RP per ₹100 domestic (0.5% value)Bonvoy Points
Best ForMid-Premium TravellersHotel Loyalists
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryICICI SapphiroMarriott Bonvoy
Domestic travel
International travel
Airport lounge access

Quick verdict

Choose ICICI Sapphiro Credit Card if:

    Choose Marriott Bonvoy HDFC if:

    • Lower annual fee (₹3,000 vs ₹3,500)
    • You spend heavily on international travel

    Full pros & cons

    ICICI Sapphiro Credit Card

    What's good
    • 4 domestic lounge visits per quarter + 2 international visits per year via DreamFolks
    • 4X reward points on international spends (4 RP per ₹100, worth 1% back)
    • Welcome vouchers worth ₹9,500+ (Tata CLiQ, Croma, EaseMyTrip, Uber) and up to 20,000 milestone RPs annually
    Watch out for
    • Domestic lounge access requires ₹75,000 spend in the previous calendar quarter to unlock
    • Low domestic reward rate — 2 RP per ₹100 at ₹0.25/point is just 0.5% back
    • Annual RP cap of 20,000 points (worth ₹5,000) limits heavy spenders
    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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