Base reward rate: Earn 2 Marriott Bonvoy Points per Rs. 150 on most spends, up to 8 points per Rs. 150 on Marriott stays.
Redemption options: value
Redemption value: 1 Pt = ₹15000.00
Fees & Charges
Joining fee: 3000
Annual fee: 3000
Pros
Excellent welcome bonus of 1 Free Night Award (valued up to 15,000 points) which can offset the ₹3,000 joining fee.
Superior reward rate of 8 Marriott Bonvoy points per ₹150 spent at participating Marriott hotels, ideal for brand loyalists.
Automatic upgrade to Marriott Bonvoy Silver Elite Status, providing tangible benefits like bonus points on stays and late check-out.
Generous milestone benefits offering up to 3 additional Free Night Awards on achieving annual spending of ₹6 lakh, ₹9 lakh, and ₹15 lakh.
Comprehensive lounge access with 12 complimentary visits per year, which can be used at both domestic and international terminals.
Includes premium lifestyle benefits uncommon at this fee level, such as 2 complimentary golf games or lessons per quarter.
Complimentary lounge access with no minimum spend requirement
Cons
A very low base reward rate of just 2 Marriott Bonvoy points per ₹150 on general spends, which is significantly below the industry standard for this segment.
The annual fee of ₹3,000 is mandatory and cannot be waived through spending, a notable drawback as many competing cards offer a spend-based waiver.
Carries a high foreign currency markup of 3.50%, which is disadvantageous for a travel-focused card and negates rewards earned on international transactions.
Reward points are locked into the Marriott Bonvoy ecosystem, offering limited flexibility compared to cards with points transferable to multiple airline/hotel partners.
Key spending categories like Rent, Wallet Loads, and Government payments are excluded from earning points, making it harder to reach the high spending milestones.
Best Use Case
Frequent travelers and Marriott Bonvoy loyalists seeking accelerated rewards on hotel stays and travel benefits.