HDFC Bank Biz Power Visa Credit Card vs Marriott Bonvoy HDFC Bank Credit Card: Which is Better in 2026?
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In short: HDFC Biz Power has the lower annual fee (₹2,500 vs ₹3,000); HDFC Biz Power includes 16 airport lounge visits a year, HDFC Marriott Bonvoy 12 airport lounge visits; HDFC Biz Power has the lower forex markup (2% vs 3.5%).
| Key facts | HDFC Biz Power | HDFC Marriott Bonvoy |
|---|---|---|
| Annual fee | ₹2,500 | ₹3,000 |
| Joining fee | ₹2,500 | ₹3,000 |
| Annual fee waived | On ₹4 lakh annual spend | Not listed |
| Top reward rate | 5X reward points on Smartbuy, Makemytrip, Reliance Digital and 5 more | 8 Marriott Bonvoy Points per ₹150 at Marriott Bonvoy |
| Base rewards | 4 Reward Points Per ₹200 | 2 Marriott Bonvoy Points For Every ₹150 Other Purchases |
| Lounge access | 16 airport lounge visits a year | 12 airport lounge visits |
| Forex markup | 2% | 3.5% |
From issuer benefit data, checked 24 Oct 2026. Milestones, welcome benefits and caps are in the full table below.
What you'd earn in a year
On ₹20,000 a month with ₹5,000 at each card's top rate, both return about ₹5,800 a year; HDFC Biz Power comes out about ₹700 ahead because of its lower annual fee.
| Spend profile | HDFC Biz Power | HDFC Marriott Bonvoy |
|---|---|---|
| Reward value: top rate / base rate | 6.67% / 1% | 5.33% / 1.33% |
| ₹20,000 a month, all general spends | ₹2,400 | ₹3,200 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹5,800 | ₹5,600 |
| Annual fee | ₹2,500 | ₹3,000 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
Hdfc Bank Biz Power Visa Credit Card lists a lower headline annual fee in our data (around ₹500 apart), before waivers. Hdfc Bank Biz Power Visa Credit Card shows a stronger headline earn rate in the first reward band we surface. Always confirm current fees and offers on the issuer’s site before you apply.
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| Feature | Hdfc Bank Biz Power Visa Credit Card | Marriott Bonvoy HDFC Bank Credit Card |
|---|---|---|
| Bank | HDFC Bank | HDFC Bank |
| Network | Visa | Diners |
| Joining fee | Joining Fee of Rs.2500 | Joining Fee of Rs.3000 |
| Annual / renewal fee | Renewal Fee of Rs.2500 | Renewal Fee of Rs.3000 |
| Annual fee waiver | Spend Rs.4 Lakhs For Renewal Fee Waiver | — |
| Top reward rate | 5X reward points on Smartbuy, Makemytrip, Reliance Digital and 5 more | Earn 8 Marriott Bonvoy Points per Rs.150 at Marriott Bonvoy |
| Base rate (other spends) | Earn 4 Reward Points Per Rs.200 | Earn 2 Marriott Bonvoy Points For Every Rs.150 Other Purchases |
| Lounge — domestic | 16 Complimentary Airport Lounge Access Per Year | 12 Complimentary Airport Lounge Access Within India |
| Lounge — international | 6 Complimentary International Lounge Access | 12 Complimentary Airport Lounge Access Outside India |
| Welcome benefit | Get Amazon Prime Annual Membership | Welcome Gift - 1 Free Night Award on Every Anniversary Year |
| Milestone benefit | Get Rs.2500 Gift Voucher on Spend Rs.2.5 Lakhs | 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 | 2% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
In the headline reward rows we show, Hdfc Bank Biz Power Visa Credit Card lists: 5X reward points on Smartbuy, Makemytrip, Reliance Digital and 5 more Marriott Bonvoy HDFC Bank Credit Card lists: Earn 8 Marriott Bonvoy Points per Rs.150 at Marriott Bonvoy They use different points or co-brand currencies and bonus categories, so the better fit depends on where you spend and which airline or programme you actually redeem with—not a single abstract “earn %”. Use the table for caps and accelerated categories; if the quoted base rates look similar, prioritise redemption value and partner alignment.
Which is better for travel?
Marriott Bonvoy HDFC Bank Credit Card has richer lounge-related fields in our current benefits extract (domestic: 12 Complimentary Airport Lounge Access Within India; international: 12 Complimentary Airport Lounge Access Outside India). Frequent flyers should still confirm guest access, visit limits and participating airports with the issuer.
Which has lower effective cost?
Hdfc Bank Biz Power Visa Credit Card appears cheaper on headline renewal fee in our data before waivers. If you are fee-sensitive, also read the waiver rules in the table — a higher sticker fee can still be net-negative cost if you naturally clear spend thresholds.
Who should pick Hdfc Bank Biz Power Visa Credit Card?
Consider Hdfc Bank Biz Power Visa Credit Card if you already bank with HDFC Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Who should pick Marriott Bonvoy HDFC Bank Credit Card?
Consider Marriott Bonvoy HDFC Bank Credit Card if you already bank with HDFC Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Frequently Asked Questions
From the lounge fields in our benefit data: Marriott Bonvoy HDFC Bank Credit Card — domestic: 12 Complimentary Airport Lounge Access Within India; international: 12 Complimentary Airport Lounge Access Outside India. Hdfc Bank Biz Power Visa Credit Card — domestic: 16 Complimentary Airport Lounge Access Per Year; international: 6 Complimentary International Lounge Access. Guest rules, networks and visit caps change — confirm on the HDFC Bank and HDFC Bank websites before you travel.
From the renewal-fee lines we index, the headline amounts are about ₹2,500 vs ₹3,000 per year before taxes and waivers. Campaigns and customer-specific pricing differ — use the comparison table and the HDFC Bank and HDFC Bank websites for the final number.
On the first reward band we surface, Hdfc Bank Biz Power Visa Credit Card shows a stronger headline earn (5X reward points on Smartbuy, Makemytrip, Reliance Digital and 5 more vs Earn 8 Marriott Bonvoy Points per Rs.150 at Marriott Bonvoy). Category bonuses, caps and redemption value decide real-world returns — map this to where you actually spend.
Hdfc Bank Biz Power Visa Credit Card: Spend Rs.4 Lakhs For Renewal Fee Waiver Marriott Bonvoy HDFC Bank Credit Card: Waiver wording not in our benefit extract — check HDFC Bank. Spend thresholds and anniversary rules change; confirm the latest T&Cs.
Hdfc Bank Biz Power Visa Credit Card: 2% - Foreign Currency Transactions Marriott Bonvoy HDFC Bank Credit Card: 3.5% - Foreign Currency Transactions Lower published foreign-currency markup is usually better for overseas and foreign-currency online spend; confirm the live rate and exclusions on the HDFC Bank and HDFC Bank websites.
Hdfc Bank Biz Power Visa Credit Card: Get Amazon Prime Annual Membership Marriott Bonvoy HDFC Bank Credit Card: Welcome Gift - 1 Free Night Award on Every Anniversary Year Welcome campaigns are time-bound — verify eligibility and fulfilment on the HDFC Bank and HDFC Bank websites.