The bundled-membership matrix

Sold per participating hotel, not centrally: ₹12,500–₹27,500 + GST depending on hotel and tier (JW Marriott Aerocity ladder) — roughly ₹15k–₹32k all-in. This is the F&B/room-discount club; it is NOT Marriott Bonvoy status and earns no elite nights. Program discontinued outside India/Greater China from 1 Apr 2026; India continues.

Our assumption — Assumes 4–5 Marriott F&B visits a year at ~₹4,000 a table — 25–50% off saves ₹5–8k; worth ₹0 if you never dine or stay at Marriotts.

• Up to 25% off food & beverage for up to 20 guests at ~90 participating Marriott hotels in India (350+ across APAC); card variants go to 50% off food at all-day dining
• Up to 20% off Best Available Rate on rooms at participating hotels in India, 20% off weekend rates in APAC
• One-time-use certificates: buy-one-get-one nights, 30%-off room vouchers, F&B deals at the issuing hotel
• Up to 20% off spa, plus a complimentary spouse card

Cheapest way in — HDFC Diners Club Black Metal — its ₹10,000 fee undercuts the ₹15,000 retail sticker, and you get an entire card thrown in.

Official India price ₹19,499/yr for Explorer — the only tier sold in India. India offer currently grants ALL Gold (30 status nights), richer than the Silver the APAC program historically gave.

Our assumption — Assumes one Accor trip a year that actually triggers a Stay Plus BOGO night (₹6–8k room) plus a couple of 30%-off dinners; the second free night and Red Hot Rooms usually go unused.

• 2 Stay Plus free nights a year: book 2+ nights at 1,400+ APAC/UAE Accors and the most expensive night is free (buy-one-get-one, twice)
• 30% off food and 15% off drinks for up to 10 guests at 1,750+ restaurants across APAC and UAE
• Up to 50% off Red Hot Rooms member deals; 15% off stays at 5,000+ Accors worldwide
• ALL Accor Gold status via 30 bonus status nights a year

Cheapest way in — Amex Platinum Reserve — its ₹10,000 fee undercuts the ₹19,499 retail sticker, and you get an entire card thrown in.

Preferred tier ₹25,000 + GST ≈ ₹29,500 all-in; Privileged tier ₹50,000 + GST (2 stay nights, 4 dining vouchers, IHCL Gold). The card-bundled "Epicure Plus" variant is not sold at retail and drops the complimentary room night.

Our assumption — Assumes ₹20–25k of Taj dining a year at ~25% off plus one spa/voucher use; card-bundled Plus tier has no room night, so we count none.

• 20–25% off dining and takeaway at participating Taj/SeleQtions/Vivanta hotels
• Preferred (₹25k+GST): 1 complimentary stay night + 2 dining vouchers a year; Privileged (₹50k+GST): 2 nights + 4 vouchers
• 20% off spa, salon and Qmin app orders; birthday cake in your birthday month
• IHCL loyalty tier bump: Silver (Preferred) or Gold (Privileged)

Cheapest way in — Amex Platinum Reserve — its ₹10,000 fee undercuts the ₹29,500 retail sticker, and you get an entire card thrown in.

Three retail tiers (1-yr): Classic ₹8,500, Select ₹19,000, Elite ₹29,500 — Elite jumped ~40% (+₹8,500) in the June-2025 refresh. Multi-year plans to 5 years. Axis Reserve's bundled variant is a special build with a 2+1-night stay benefit no retail tier sells.

Our assumption — Assumes ~₹25k of ITC dining a year at 20% off plus one buffet/night voucher actually redeemed; Reserve's 2+1-night variant is worth more if the stay happens.

• 20% instant savings on dining at 350+ participating ITC restaurants (resident and non-resident)
• 20% off spa and laundry while staying at participating ITC hotels
• 3–12% back as Green Points on F&B spend by tier; 2X points in your birthday week
• Tiered e-voucher bouquet: complimentary nights, buffets for two, up to 20% room discounts

Cheapest way in — just buy it — ₹8,500 retail beats the ₹50,000 Axis Bank Reserve, unless you wanted that card anyway.

₹2,495/yr list (quarterly plan also sold); EazyDiner runs a savings guarantee — save less than the fee and they extend or refund.

Our assumption — 25–50% off clears ₹2k on just ~₹8k of PayEazy bills a year; capped below sticker because free-tier EazyDiner and bank offers overlap the same restaurants.

• Guaranteed 25–50% off at 2,000+ restaurants across 150+ cities in India (plus Dubai)
• 2,000 EazyPoints welcome bonus on the annual plan; 2X EazyPoints on every booking
• Prime-only tables, no-waitlist priority reservations, member events
• 24/7 culinary concierge

Cheapest way in — ICICI Bank Rubyx — its ₹2,000 fee undercuts the ₹2,495 retail sticker, and you get an entire card thrown in.

₹999/yr list, but perpetually flash-sold at ₹1–₹299 for 3–4 months — nobody pays list. Dining-out deals moved to Zomato's District app; Gold today is essentially a delivery membership (free delivery within 7 km over ₹199, up to 30% off at 20,000+ restaurants), and a rain fee applies even to Gold since May 2025.

Our assumption — Delivery fees saved on ~2 orders a month, priced against the ₹9–₹299 promos you'd actually pay — never the ₹999 list.

• Free delivery within 7 km on orders above ₹199
• Up to 30% off at 20,000+ partner restaurants
• Dining-out perks now live in the District app, not Gold

Cheapest way in — retail at ₹999 — no card in our catalog bundles it today.

Not sold standalone — access rides on the Platinum Charge (₹66,000 fee) via Platinum Travel Service. Amex India pegs the average FHR benefit value at ~₹44,300 per stay; treat that as marketing rack-rate, not realized value.

Our assumption — Assumes one 2-night FHR stay a year: breakfast + $100 credit ≈ ₹12k gross, minus the premium FHR flexible rates typically carry over prepaid rates.

• FHR at 1,300+ luxury hotels: daily breakfast for two, ~$100 experience/property credit per stay, room upgrade on arrival when available
• Noon check-in when available, guaranteed 4pm late check-out, free Wi-Fi
• The Hotel Collection (2-night minimum): $100 hotel credit + one-category upgrade at 600+ premium hotels

Cheapest way in — Amex Platinum Charge (₹66,000 fee) — it isn't sold standalone; the card is the only door.