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
Who should pick this card?
Best suited for someone focused on hotel loyalists.
This sits in the Travel category — Earn air miles, hotel points, and get lounge access. Ideal for frequent flyers and business travellers.
Fees, reward rates, and caps last verified in May 2026. Issuers update terms without notice — always confirm on the bank's official page before applying.
More Travel picks
IDFC FIRST WOW
Essential for international travel. It completely removes the standard 3.5% hidden bank markup and the 18% GST on that markup for all foreign currency transactions.
Scapia Federal Credit Card
A travel powerhouse featuring a dual Visa/RuPay setup. Enjoy zero forex markup internationally, plus seamless in-app travel redemptions.
HDFC Diners Club Black
One of the most rewarding cards for booking flights and hotels, offering unlimited global lounge access and 10X rewards on select SmartBuy categories. Standard variant waives fee at ₹5L; Metal Edition at ₹8L.