SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for marriott, hotels, and travel.
Why it can work
It combines complimentary airport lounge access, accelerated rewards on marriott, and milestone rewards.
Where value may drop
Fuel, rent, and wallet loads don't earn rewards. Monthly reward caps apply on the top categories. The 3.5% forex markup is high for overseas use.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many Marriott Bonvoy Points you earn and what they are worth.
Milestone rewards
Milestone value is estimated and only counts once you reach each spend threshold.
How you earn it
| Category | Monthly spend | Marriott Bonvoy Points/yr |
|---|---|---|
| Dining & food delivery | Rs 4,000 | 1,280 |
| Travel (cab, train, etc.) | Rs 5,000 | 1,600 |
| Hotel bookings | Rs 4,000 | 2,560 |
| Other spends | Rs 8,000 | 1,280 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for Marriott
8 Marriott Bonvoy Points / Rs 150
Best for airport lounge access
12 complimentary lounge visits a year across domestic and international.
Best for travel and redemptions
Earns Marriott Bonvoy Points you can put toward flights, hotels, or transfer partners.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if you spend big on fuel, rent, and wallet loads
These categories are excluded and won't earn rewards.
Avoid if you expect uncapped rewards
Top reward categories are capped each month, so very high spends don't scale linearly.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate | Monthly cap |
|---|---|---|
| marriott | 8 Marriott Bonvoy Points / Rs 150 | 3,200 Marriott Bonvoy Points |
| travel, dining and entertainment | 4 Marriott Bonvoy Points / Rs 150 | 1,600 Marriott Bonvoy Points |
| others | 2 Marriott Bonvoy Points / Rs 150 | - |
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- The card offers 12 total complimentary lounge accesses per year across domestic and international lounges.
- International lounge access is provided via the DCI travel tool app.
Exclusions
Categories that earn no rewards on this card.
- fuel transactions
- online gaming transactions
- Smart EMI and Dial an EMI transactions
- cash advances
- payment of outstanding balances
- payment of card fees and other charges
- government transactions
- rental transactions
- wallet loads, gift card loads, prepaid card loads, and voucher purchases
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- 1 Free Night Award redeemable for a one-night stay up to 15,000 Marriott Bonvoy Points on the first eligible transaction of Rs 500 within 90 days of card open date or on card fee levy, whichever is earlier (counted under renewal — granted every fee cycle)
- 10 Elite Night Credits on meeting the welcome benefit condition
- Marriott Bonvoy Silver Elite Status
Renewal benefits
- 1 Free Night Award (up to 15,000 Marriott Bonvoy Points) granted each year on annual fee levy
Additional benefits
- 5% cashback on SmartBuy bookings and purchases
- 2 complimentary golf lessons per quarter at select driving ranges in India
- 2 complimentary golf course accesses per quarter at select premium golf courses in India and internationally
Eligibility
Check this before you apply.
Salaried
- Indian national
- Age 21 to 60 years
- Net monthly income greater than Rs 1,00,000
Self-employed
- Indian national
- Age 21 to 65 years
- Annual ITR greater than Rs 15 lakh
Compare before you decide
Alternatives based on what you might want instead.
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