Reserve Credit Card
Rs 50,000Annual fee
Rs 35,00,000Fee waiver spend
UnlimitedDomestic lounge
1.5%Forex markup
Best for
Ultra Premium, Travel, Hotels, Golf, Lounge
Top rewards
Domestic Spends: 15 EDGE REWARD Points / ₹200 spent on domestic spends; International Spends: 30 EDGE REWARD Points / ₹200 spent on international spends
Marriott Bonvoy Credit Card
Rs 3,000Annual fee
12Domestic lounge
Domestic lounge conditions
- 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.
3.5%Forex markup
Best for
Marriott, Hotels, Travel, Lounge, Golf
Top rewards
Marriott, Partner Merchants: 8 Marriott Bonvoy Points / ₹150; Travel, Dining And Entertainment: 4 Marriott Bonvoy Points / ₹150; Others: 2 Marriott Bonvoy Points / ₹150
| Feature | Reserve Credit Card | Marriott Bonvoy Credit Card |
|---|---|---|
| Issuer | Axis Bank | HDFC Bank |
| Network | Visa | Diners Club |
| Joining fee | Rs 50,000 | Rs 3,000 |
| Annual fee | Rs 50,000 | Rs 3,000 |
| Fee waiver spend | Rs 35,00,000 | - |
| Reward type | EDGE Reward Points | Marriott Bonvoy Points |
| Best for | Ultra Premium, Travel, Hotels, Golf, Lounge | Marriott, Hotels, Travel, Lounge, Golf |
| Top reward categories | Domestic Spends: 15 EDGE REWARD Points / ₹200 spent on domestic spends; International Spends: 30 EDGE REWARD Points / ₹200 spent on international spends | Marriott, Partner Merchants: 8 Marriott Bonvoy Points / ₹150; Travel, Dining And Entertainment: 4 Marriott Bonvoy Points / ₹150; Others: 2 Marriott Bonvoy Points / ₹150 |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | Unlimited | 12 |
| International lounge | Unlimited | 12 |
| Forex markup | 1.5% | 3.5% |
| Milestone benefits | Not Listed | 1 Free Night Award redeemable for a one-night stay up to 15,000 Marriott Bonvoy Points on eligible spend of ₹6 lakh in an anniversary year, 1 Free Night Award redeemable for a one-night stay up to 15,000 Marriott Bonvoy Points on eligible spend of ₹9 lakh in an anniversary year, 1 Free Night Award redeemable for a one-night stay up to 15,000 Marriott Bonvoy Points on eligible spend of ₹15 lakh in an anniversary year |
| Redemption | Air miles: upto ₹ 0.4 per point; Statement credit: upto ₹ 0.2 per point | Not Listed |
| Key exclusions | Fuel transactions, Rent payments, E-wallet loading transactions, Insurance premium payments, Purchase of gold or jewellery, Educational institution payments via third-party apps | 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 |