Axis Bank 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 / Rs 200 spent on domestic spends; International spends: 30 EDGE REWARD Points / Rs 200 spent on international spends
Marriott Bonvoy HDFC Bank 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: 8 Marriott Bonvoy Points / Rs 150; travel, dining and entertainment: 4 Marriott Bonvoy Points / Rs 150; others: 2 Marriott Bonvoy Points / Rs 150
| Feature | Axis Bank Reserve Credit Card | Marriott Bonvoy HDFC Bank 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 / Rs 200 spent on domestic spends; International spends: 30 EDGE REWARD Points / Rs 200 spent on international spends | marriott: 8 Marriott Bonvoy Points / Rs 150; travel, dining and entertainment: 4 Marriott Bonvoy Points / Rs 150; others: 2 Marriott Bonvoy Points / Rs 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 Rs 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 Rs 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 Rs 15 lakh in an anniversary year |
| Redemption | Air miles: upto Rs 0.4 per point; Statement credit: upto Rs 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 |