Synopsis: Your HDFC credit card choice can unlock free luxury hotel stays, travel perks, and thousands of reward points. In this article, we are comparing two premium credit cards – HDFC Marriott Bonvoy and HDFC Regalia Gold, to find out which one is worth your money.
Although both the cards offer travel benefits, access to airport lounges, and earning points on credit card usage, they both offer value in a very dissimilar manner, especially in regards to staying in hotels, the attainment of elite status, earning points on milestones, and the freedom to redeem.
Marriott Bonvoy Card is co-branded with the global Marriott hotel system. You earn 8 points for every ₹150 spent. It provides elite status benefits at Marriott properties that include exclusive perks, complimentary Marriott silver elite status and 24 free airport lounge access without any restrictions. The eligibility criteria for a Marriott Bonvoy Credit Card are you have to be an Indian national between the age of 21 to 60 and net income more the ₹1 lakhs.
- Joining Fee: ₹3000 + GST
- Annual Fee: ₹3000 + GST
You can get a joining bonus of ₹1500 worth gift cards by making 1 transaction with the card. The main feature and welcome benefits of this card includes Complimentary Marriott Silver Elite status plus 1 free night stay for 2 persons at any Marriott Bonvy Hotel around the world, worth up to ₹15,000 Marriott points, which gets added by paying the yearly fee every year. With this card, you also get 2 complimentary golf access per quarter across the world. This card also offers various insurance benefits such as
- Baggage delay/ loss up to $250.
- Loss of travel documents to a maximum of $250.
- Flight delay cover up to $250
- Accidental Air cover up to $12,500
- Medical costs for emergency up to $18,750.
- Credit shield of up to ₹1,00,000
- Loss liability cover up to ₹9,00,000
This card also offers insurance and concierge benefits and also diners’ exclusive offers in travel, dining, health etc. Another great feature of the card is 12 complementary lounge access within India (both at domestic and international terminals) and 12 complementary lounge access outside India every year. The best part of the card is no lounge access restrictions or any hidden minimum spending.
If the features and benefits align with your spending habits, you can review the latest offer details and apply online through the HDFC Bank Marriott Credit card official page. Since promotional benefits may change from time to time, it’s always wise to check the updated terms before proceeding.
HDFC Regalia Gold Credit Card provides you lifestyle benefits and travel perks. It comes with an annual and joining fee of ₹2,500 plus GST, but when you pay the fee, you get a premium gift voucher of ₹2,500. If you spend ₹1.5 lakh in 90 days, you get Myntra/Nykaa vouchers worth ₹1500. If you spend between ₹5 lakh and ₹7.5 lakh in a year, you get 5,000 worth flight vouchers.
This card is available for Indian nationals between the age of 21 to 60 with net monthly income average of ₹1,00,000 and ₹15 lakhs+ for self-employed individuals.
Reward Points and Benefits
- 1 Reward point = ₹0.5 on flight and hotel bookings.
- 1 Reward point = ₹0.35 on retail products and vouchers
- 5X Reward Points on SmartBuy purchases (travel bookings, vouchers, flights, hotels through HDFC portal)
- Categories with No Rewards: Fuel, Rent payments, Wallet loads, EMI conversions, Cash advances, Government transactions (in accordance with the policy)
All Regalia Gold card members can avail Complimentary Annual Memberships of Club Vistara Silver Tier & MMT Black Membership on achieving net retail spends of Rs 1 lakh within first 90 days of card issuance.
This card has both quarterly and annual milestone. In Quarterly Milestone, you get ₹1,500 voucher in form of Marriott, Mark and Spencer, Myntra or Reliance Digital when your net retail spends is of ₹1,50,000 in a calendar quarter. In Annual Milestone, all Regalia Gold card members can avail one complementary fight ticket worth Rs. 5000 provided your net retail spends of Rs. 7,50,000 in a card anniversary year.
Also read: This HDFC Credit Card Can Save You Up to ₹13,500 on Train Bookings – See How
Marriott Bonvoy Credit Card Vs Regalia Gold Credit Card
| Spend Category | Marriott Bonvoy Credit Card | Regalia Gold Credit Card |
| Base Spend (all retail) | 2 Bonvoy points / ₹150 | 4 Reward Points / ₹150 |
| Travel, Dining, Entertainment | 4 Bonvoy points / ₹150 | 4 Reward Points / ₹150 |
| Hotel Spend (Marriott only) | 8 Bonvoy points / ₹150 | – |
| SmartBuy Hotels | – | 40 Reward Points / ₹150 |
| SmartBuy Flights / Vouchers | – | 20 Reward Points / ₹150 |
| Preferred Brands (Myntra, Nykaa etc.) | – | 20 Reward Points / ₹150 |
If the features and benefits align with your spending habits, you can review the latest offer details and apply online through the HDFC Bank Regalia Gold Credit card official page. Since promotional benefits may change from time to time, it’s always wise to check the updated terms before proceeding.
Conclusion
Both the cards belong to premium categories. The Marriott Bonvoy Credit Card is more valuable to loyal Marriott customers who want 5-star hotel stays with elite status. Conversely, the Regalia Gold Credit Card is more flexible and versatile with low forex fee, and more lifestyle benefits, hence it is applicable to travellers with varied tastes and preferences that require a range of options.
Written by Boyapati Sai Jasmitha
