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
IndusInd Bank Celesta Credit Card
Rs 5,000Annual fee
Rs 10,00,000Fee waiver spend
UnlimitedDomestic lounge
Domestic lounge conditions
- Unlimited complimentary domestic lounge access (effective July 2026 quarter onwards, requires minimum spend of Rs 1,50,000 in the previous quarter to unlock access)
- 2 complimentary international lounge visits per calendar quarter via Priority Pass
3.5%Forex markup
Best for
travel, lounge, golf, premium
Top rewards
Other retail spends: 1.5 reward points per Rs 100; Utility, insurance, government, education, real estate, and rent spends: 0.7 reward points per Rs 100
| Feature | Marriott Bonvoy HDFC Bank Credit Card | IndusInd Bank Celesta Credit Card |
|---|---|---|
| Issuer | HDFC Bank | IndusInd Bank |
| Network | Diners Club | American Express |
| Joining fee | Rs 3,000 | Rs 50,000 |
| Annual fee | Rs 3,000 | Rs 5,000 |
| Fee waiver spend | - | Rs 10,00,000 |
| Reward type | Marriott Bonvoy Points | reward points |
| Best for | marriott, hotels, travel, lounge, golf | travel, lounge, golf, premium |
| Top reward categories | marriott: 8 Marriott Bonvoy Points / Rs 150; travel, dining and entertainment: 4 Marriott Bonvoy Points / Rs 150; others: 2 Marriott Bonvoy Points / Rs 150 | Other retail spends: 1.5 reward points per Rs 100; Utility, insurance, government, education, real estate, and rent spends: 0.7 reward points per Rs 100 |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 12 | Unlimited |
| International lounge | 12 | 8 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | 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 | Annual fee reversed on spends of Rs 10,00,000 or more in the card anniversary year |
| Redemption | Not listed | Air miles: upto Rs 0.5 per point; Statement credit: upto Rs 0.7 per point |
| Key exclusions | 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 | Fuel transactions, Cash withdrawal / cash advance transactions, Fees and charges (including annual fee and finance charges) |