vs
In short: both charge a ₹3,000 annual fee; Axis Signature With Lifestyle Benefits includes 2 airport lounge visits a quarter + Priority Pass, HDFC Marriott Bonvoy 12 airport lounge visits; both charge a 3.5% forex markup.
| Key facts | Axis Signature With Lifestyle Benefits | HDFC Marriott Bonvoy |
|---|---|---|
| Annual fee | ₹3,000 | ₹3,000 |
| Joining fee | ₹5,000 | ₹3,000 |
| Annual fee waived | On ₹3 lakh annual spend | Not listed |
| Top reward rate | 10 EDGE Rewards on every ₹200 on International Spends | 8 Marriott Bonvoy Points per ₹150 at Marriott Bonvoy |
| Base rewards | 10 EDGE Rewards on every ₹200 Domestically | 2 Marriott Bonvoy Points For Every ₹150 Other Purchases |
| Lounge access | 2 airport lounge visits a quarter + Priority Pass | 12 airport lounge visits |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 5 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
The Axis Bank Signature Credit Card With Lifestyle Benefits and the Marriott Bonvoy HDFC Bank Credit Card cater to different user preferences, with the former focusing on lifestyle rewards and the latter on hotel loyalty and travel perks. Both cards charge similar fees but offer distinct reward structures and lounge access benefits. Choosing between them depends on your spending habits and travel preferences.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| Feature | Axis Bank Signature Credit Card With Lifestyle Benefits | Marriott Bonvoy HDFC Bank Credit Card |
|---|---|---|
| Bank | Axis Bank | HDFC Bank |
| Network | Visa | Diners |
| Joining fee | Joining Fee of Rs.5000 | Joining Fee of Rs.3000 |
| Annual / renewal fee | Annual Fee - Rs.3000 | Renewal Fee of Rs.3000 |
| Annual fee waiver | Spend Rs.3 Lakhs For Annual Fee Waiver | — |
| Top reward rate | Earn 10 EDGE Rewards on every Rs.200 on International Spends | Earn 8 Marriott Bonvoy Points per Rs.150 at Marriott Bonvoy |
| Base rate (other spends) | Earn 10 EDGE Rewards on every Rs.200 Domestically | Earn 2 Marriott Bonvoy Points For Every Rs.150 Other Purchases |
| Lounge — domestic | 2 Complimentary Airport Lounge Access Per Quarter | 12 Complimentary Airport Lounge Access Within India |
| Lounge — international | Complimentary Priority Pass Membership | 12 Complimentary Airport Lounge Access Outside India |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | — |
| Welcome benefit | Get 100 EDGE Reward Points on First Online Transaction. | Welcome Gift - 1 Free Night Award on Every Anniversary Year |
| Milestone benefit | — | 1 Free Night Award on Spend of Rs.6 Lakhs in an Anniversary Year; 1 Free Night Award on Spend of Rs.9 Lakhs in an Anniversary Year |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
For rewards, the Axis Bank Signature Credit Card offers a straightforward earning of 10 EDGE Rewards per Rs.200 spent both domestically and internationally, plus 50% cashback on movie ticket bookings, which can be valuable for lifestyle spenders. In comparison, the Marriott Bonvoy HDFC Bank Credit Card earns Marriott Bonvoy Points with a top rate of 8 points per Rs.150 spent at Marriott properties and varied points on other categories like dining and entertainment. The Axis Bank card's rewards are simpler and potentially more lucrative for general spenders, especially considering the cashback on movies, while the Marriott card benefits those who frequently stay at Marriott hotels or spend in its bonus categories.
Travel benefits favor the Marriott Bonvoy HDFC Bank Credit Card, which provides 12 complimentary airport lounge accesses both domestically and internationally, along with a complimentary Marriott Bonvoy Silver Elite Status and milestone free night awards on spending Rs.6 lakhs, Rs.9 lakhs, and Rs.15 lakhs annually. The Axis Bank Signature card offers 2 complimentary domestic lounge accesses per quarter and a Priority Pass membership for international lounges, which is valuable but less extensive. The Marriott card also includes golf privileges, enhancing its appeal to travelers seeking premium experiences. Thus, for frequent travelers and Marriott loyalists, the Marriott Bonvoy card offers stronger travel perks.
Both cards have comparable joining and renewal fees, with Axis Bank charging Rs.5,000 joining and Rs.3,000 annual fees (waived on Rs.3 lakhs spend), and Marriott Bonvoy charging Rs.3,000 for both joining and renewal. The Axis Bank card has a 1% fuel surcharge waiver up to Rs.400 per statement, which the Marriott card does not list. Both have a 3.5% forex markup. Considering the fee waiver condition is only listed for the Axis Bank card, users who expect to spend Rs.3 lakhs annually may find the Axis Bank card more cost-effective, while others should evaluate based on their spending patterns and benefits.
The Marriott Bonvoy HDFC Bank Credit Card offers milestone rewards including free night awards on spending Rs.6 lakhs, Rs.9 lakhs, and Rs.15 lakhs annually, adding significant value for high spenders and frequent Marriott guests. The Axis Bank Signature card does not list milestone benefits in our data.
Marriott Bonvoy cardholders receive 12 complimentary airport lounge accesses both domestically and internationally, which is considerably more than the Axis Bank Signature card's 2 domestic lounge visits per quarter plus Priority Pass membership for international lounges. This makes Marriott Bonvoy more attractive for frequent travelers seeking lounge comfort.
Axis Bank Signature Credit Card offers a 1% fuel surcharge waiver up to Rs.400 per statement, which can reduce fuel costs for regular drivers. The Marriott Bonvoy card does not list any fuel surcharge waiver benefits.
Consider Axis Bank Signature Credit Card With Lifestyle Benefits if you want a simple and rewarding points system with strong cashback on movie tickets, plus good domestic and international lounge access. It's suitable if you spend at least Rs.3 lakhs annually to waive the fee and prefer versatile lifestyle rewards over hotel-specific benefits.
Consider Marriott Bonvoy HDFC Bank Credit Card if you are a frequent traveler who values extensive lounge access both in India and abroad, Marriott hotel stays, and milestone free night awards. It is ideal if you want complimentary elite status and golf privileges, and prefer a card that rewards hotel loyalty and travel experiences over general lifestyle rewards.
The Axis Bank Signature Credit Card waives the Rs.3,000 annual fee if you spend Rs.3 lakhs in a year.
Fee waiver details are not listed in our data for the Marriott Bonvoy HDFC Bank Credit Card; please check with the issuer.
The Marriott Bonvoy HDFC Bank Credit Card offers 12 complimentary airport lounge visits each within India and internationally, while the Axis Bank Signature Credit Card provides 2 complimentary domestic lounge visits per quarter plus a Priority Pass membership for international lounges.
Both cards charge a 3.5% forex markup on foreign currency transactions.
The Axis Bank Signature Credit Card offers 100 EDGE Reward Points on the first online transaction, while the Marriott Bonvoy HDFC Bank Credit Card provides a welcome gift of 1 Free Night Award on every anniversary year.
The Axis Bank Signature Credit Card offers a 1% fuel surcharge waiver up to Rs.400 per statement. The Marriott Bonvoy HDFC Bank Credit Card does not list any fuel surcharge waiver benefits.