ICICI Rubyx Credit Card
ICICI Bank
Rewards 1.4%
Net Value ₹8,544
Joining Fee ₹3,000
Renewal Fee ₹0
2 lounge visits • Forex 3.5%
Marriott Bonvoy HDFC Bank Credit Card
HDFC Bank ⭐ Featured
Hotel co-branded travel rewards credit card
Joining Fee
₹3,000
+ 18% GST
First Year Net
+₹6,744
Annual Fee
₹3,000
+ 18% GST
Renewal Net
+₹6,744
Base Reward Rate
1.3%
4 points per ₹150
Best Category
1.3%
Final Net Score
18
out of 100
Net Annual Value
+₹10,284
Score Breakdown
Lower ScoreMid RangeHigher Score
Key Metrics
Final Score
Comprehensive rating based on your spending profile
18/100
Effective Reward Rate
Weighted average based on your spending categories
1.3%
Annual Net Value
Expected yearly benefit after all costs
₹10,284
Payback Period
Time to recover annual fees through rewards
Immediate
Card Information
Category
Hotel co-branded travel rewards credit card
Launch Date
2023
Networks
Mastercard, Visa
Should I Consider This Card?
Using general assumptions
Likely Eligible
Needs checkAdd income range and credit score to estimate eligibility.
Value for Your Spend
Strong fitAt your current spending pattern, this card is likely to return more value than it costs.
Consider from
₹15,000 / mo
Sweet spot
₹2,00,000 / mo
Net value / year
+₹10,284
Fee outcome
Fee likely waived
Why this result
- Fee waiver threshold: Annual fee waiver is tied to roughly 25,000 monthly spend.
- Top earning category: travel has elevated rewards, which can improve value when your spend matches it.
Details
Spend curve and supporting scenario values
Marriott Bonvoy HDFC Bank Credit Card - Key Highlights
💰 Fees & Charges
- Annual Fee: ₹3,000
- Foreign Transaction: 3.5%
- Late Payment: Varies by outstanding amount
🏆 Rewards & Benefits
- Rewards Rate: 1.3% reward rate
- Lounge Access: Available
- Our Rating: 18/100
Marriott Bonvoy HDFC Bank Credit Card - Frequently Asked Questions
What are the benefits of Marriott Bonvoy HDFC Bank Credit Card?
Marriott Bonvoy HDFC Bank Credit Card from HDFC Bank offers comprehensive benefits including rewards, lounge access, and premium services. Key benefits include reward points on spending and airport lounge access.
Who is eligible for Marriott Bonvoy HDFC Bank Credit Card?
Marriott Bonvoy HDFC Bank Credit Card is ideal for individuals looking for reward-focused spending. Minimum credit score requirements apply.
How much does Marriott Bonvoy HDFC Bank Credit Card cost?
The annual fee for Marriott Bonvoy HDFC Bank Credit Card is ₹3,000. Additional charges may include foreign transaction fees and late payment charges.
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