Marriott Bonvoy HDFC Bank vs InterMiles HDFC Bank Signature (2026)
InterMiles HDFC Bank Signature vs Marriott Bonvoy HDFC Bank: which wins?
₹56,305ranking value a year at ₹3L a month, to Marriott Bonvoy HDFC Bank
Skip the duel — the board, ranked → · nothing to sign up for
HDFC Bank's own upgrade question: ₹2,500/yr against ₹3,000/yr for 0.1pp more headline earn.
Marriott Bonvoy HDFC Bank out-earns InterMiles HDFC Bank Signature at every spend level we model, from ₹25k to ₹5L a month.
Every metric, row by row — 12 compared
Head to head
| Marriott Bonvoy HDFC Bank | Metric | InterMiles HDFC Bank Signature |
|---|---|---|
| #4 | Our rank | closed |
| ₹3,000/yr | Fee — joining · annual (+ GST) | ₹2,500/yr — wins this row |
| None | Fee waiver | None |
| 3.5% + GST | Forex markup | not published |
| 3.75%/mo (45%/yr) | APR | not published |
| 0.9% — wins this row | Headline earn rate | 0.8% |
| Marriott Bonvoy | Currency | InterMiles |
| ₹0.65/pt | House value | ₹0.20/pt |
| Free Night Award (up to 15,000 pts) on fee payment — joining and every renewal | Welcome benefit | — |
| 91 of 793 — wins this row | Lounge doors opened | 0 of 793 |
| ₹1L+/month net | Income — salaried | not published |
| ITR ₹15L+/yr | Income — self-employed | not published |
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
The ₹ face-off at ₹1L/₹3L/₹5L a month
Ranking-value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.
Marriott Bonvoy HDFC Bank out-earns InterMiles HDFC Bank Signature at every spend level we model, from ₹25k to ₹5L a month.
How the gap moves with spend — a 20-step sweep from ₹0.25L to ₹5L/month
How the gap moves with spend
Marriott Bonvoy HDFC Bank leads at all 20 steps, but not by the same amount: ₹9,839 at ₹0.25L a month, ₹13,968 at ₹5L — the gap fans out with spend, widest at ₹1.5L (₹42,033).
Marriott Bonvoy HDFC Bank's ongoing earn stops at ₹1,50,000 of spend a month, where InterMiles HDFC Bank Signature's doesn't; Marriott Bonvoy HDFC Bank pays 3 annual spend milestones, the first at ₹6,00,000 a year, and InterMiles HDFC Bank Signature pays none.
Marriott Bonvoy HDFC Bank draws above the line, InterMiles HDFC Bank Signature below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | Marriott Bonvoy HDFC Bank | InterMiles HDFC Bank Signature | In front |
|---|---|---|---|
| ₹0.25L | ₹9,739 | −₹100 | Marriott Bonvoy HDFC Bank by ₹9,839 |
| ₹0.5L | ₹22,478 | ₹2,300 | Marriott Bonvoy HDFC Bank by ₹20,178 |
| ₹0.75L | ₹35,217 | ₹4,700 | Marriott Bonvoy HDFC Bank by ₹30,517 |
| ₹1L | ₹38,205 | ₹7,100 | Marriott Bonvoy HDFC Bank by ₹31,105 |
| ₹1.25L | ₹50,945 | ₹9,500 | Marriott Bonvoy HDFC Bank by ₹41,445 |
| ₹1.5L | ₹53,933 | ₹11,900 | Marriott Bonvoy HDFC Bank by ₹42,033 |
| ₹1.75L | ₹54,328 | ₹14,300 | Marriott Bonvoy HDFC Bank by ₹40,028 |
| ₹2L | ₹54,724 | ₹16,700 | Marriott Bonvoy HDFC Bank by ₹38,024 |
| ₹2.25L | ₹55,119 | ₹19,100 | Marriott Bonvoy HDFC Bank by ₹36,019 |
| ₹2.5L | ₹55,514 | ₹21,500 | Marriott Bonvoy HDFC Bank by ₹34,014 |
| ₹2.75L | ₹55,910 | ₹23,900 | Marriott Bonvoy HDFC Bank by ₹32,010 |
| ₹3L | ₹56,305 | ₹26,300 | Marriott Bonvoy HDFC Bank by ₹30,005 |
| ₹3.25L | ₹56,700 | ₹28,700 | Marriott Bonvoy HDFC Bank by ₹28,000 |
| ₹3.5L | ₹57,096 | ₹31,100 | Marriott Bonvoy HDFC Bank by ₹25,996 |
| ₹3.75L | ₹57,491 | ₹33,500 | Marriott Bonvoy HDFC Bank by ₹23,991 |
| ₹4L | ₹57,886 | ₹35,900 | Marriott Bonvoy HDFC Bank by ₹21,986 |
| ₹4.25L | ₹58,282 | ₹38,300 | Marriott Bonvoy HDFC Bank by ₹19,982 |
| ₹4.5L | ₹58,677 | ₹40,700 | Marriott Bonvoy HDFC Bank by ₹17,977 |
| ₹4.75L | ₹59,072 | ₹43,100 | Marriott Bonvoy HDFC Bank by ₹15,972 |
| ₹5L | ₹59,468 | ₹45,500 | Marriott Bonvoy HDFC Bank by ₹13,968 |
Transfer reach — 0 vs 0 live routes
Transfer reach
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for — 6 points
What to watch out for
Marriott Bonvoy HDFC Bank · 3 more →
- Only worth it if you actually stay at Marriott properties
- Bonvoy's dynamic pricing (2025) keeps devaluing points and free nights
- No fee waiver; Diners acceptance still patchy abroad
InterMiles HDFC Bank Signature · 3 more →
- PHASED OUT — HDFC discontinued all product features on 15 December 2024 and migrated every holder
- InterMiles already credited to an InterMiles account cannot be converted back to HDFC Reward Points
- Lounges could levy a nominal card-validation fee, depending on the network programme
The call
For the ₹1L/month spender, Marriott Bonvoy HDFC Bank nets ₹38,205 against ₹7,100 — a ₹31,105 gap. At ₹5L/month, Marriott Bonvoy HDFC Bank nets ₹59,468 against ₹45,500 — a ₹13,968 gap. Lounge chasers: Marriott Bonvoy HDFC Bank opens 91 of 793 tracked doors to InterMiles HDFC Bank Signature's 0.
Our standing verdicts: Marriott Bonvoy HDFC Bank — Keep; InterMiles HDFC Bank Signature — Cancel. Marriott Bonvoy HDFC Bank takes 5 of the 6 rounds we can score — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Common questions — 5 answered
Straight answers
Which is better, Marriott Bonvoy HDFC Bank or InterMiles HDFC Bank Signature?
Marriott Bonvoy HDFC Bank. Marriott Bonvoy HDFC Bank takes 5 of the 6 rounds we can score. Marriott Bonvoy HDFC Bank out-earns InterMiles HDFC Bank Signature at every spend level we model, from ₹25k to ₹5L a month.
Marriott Bonvoy HDFC Bank or InterMiles HDFC Bank Signature — which earns more at ₹3L a month?
At ₹3L a month, Marriott Bonvoy HDFC Bank nets ₹56,305 against ₹26,300 — a ₹30,005 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.
Which costs less to hold, Marriott Bonvoy HDFC Bank or InterMiles HDFC Bank Signature?
InterMiles HDFC Bank Signature — ₹2,500/yr against ₹3,000/yr. Marriott Bonvoy HDFC Bank waives its fee at no spend level — there is no waiver; InterMiles HDFC Bank Signature at no spend level — there is no waiver.
Which gets you into more airport lounges, Marriott Bonvoy HDFC Bank or InterMiles HDFC Bank Signature?
Lounge chasers: Marriott Bonvoy HDFC Bank opens 91 of 793 tracked doors to InterMiles HDFC Bank Signature's 0. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Card records last re-verified against their issuers' own documents: Marriott Bonvoy HDFC Bank on 2026-08-05, InterMiles HDFC Bank Signature on 2026-08-22. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.
Verified against HDFC Bank and HDFC Bank's own documents on · the ranking model, at our house ₹/point
Every document behind this page — 6 of them, each with the day we read it
- official Official microsite — ₹3,000 fee and "joining fee or annual fee waiver is not available"; 1 Free Night Award (up to 15,000 points) on joining-fee realisation and on renewal
- official HDFC's 15-May-2026 rewards/fees change notice — the proof this card was NOT touched by the bank-wide ₹150→₹200 accrual cut
- official Marriott launch press release (24-Aug-2023)
- community CardInsider review — the ONLY source we have for this card's 3.5% forex markup
- official InterMiles Signature product page — the InterMiles accrual table, the phase-out notice, the 15 December 2024 switch-off and the 16-visit Mastercard lounge benefit as they stood
- official Fees and charges — ₹2,500 joining and renewal membership fee, with no waiver published