Marriott Bonvoy HDFC Bank vs Axis Bank Atlas
Side-by-side for the example profile – edit spend and travel needs to make it yours.
Marriott Bonvoy HDFC Bank vs Atlas (Sept 2026): for the standard ₹32k/month profile Axis Bank Atlas wins on score (45/100, ₹5,033 recurring net savings a year) vs Marriott Bonvoy HDFC Bank 32/100 (−₹909). Cheapest to hold: Marriott Bonvoy HDFC Bank (₹3,540 incl. GST). Edit the spend on this page to re-score for yours.
Recommendation for Typical Indian cardholder (₹32k/month)
Marriott Bonvoy HDFC Bank scores highest (32/100) with −₹909 recurring net savings a year. Axis Bank Atlas saves more in pure rupees (₹5,033) but scores lower on redemption, lifestyle or fee safety.
Edit your spend and travel needs above – scores, savings and this verdict update instantly.
Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend
| Card | ||
|---|---|---|
| Overview | ||
| Personal score | 32/100 | 45/100 BEST |
| Recurring net savings | −₹909/yr | ₹5,033/yr BEST |
| Effective savings rate | -0.3% | 1.5% BEST |
| Annual fee incl. GST | You pay ₹3,540 BEST | You pay ₹5,900 |
| Usable lounge visits | ✈12 dom🌏12 intl you can use 2 | ✈8 dom🌏4 intl you can use 2 |
| Why it fits | ✓ Base rate 0.6% on other spends earns you about ₹1,217 a year on… | ✓ Base rate 2% on other spends earns you about ₹4,133 a year on… |
| Main drawback | ! You pay the ₹3,540 annual fee (incl. GST) – waiver needs a fee-based… | ! You pay the ₹5,900 annual fee (incl. GST) – waiver needs a fee-based… |
| How the net figure adds up | ||
| + Reward value on your spend | ₹2,271 at ₹0.45/Marriott Bonvoy Points | ₹5,933 at ₹1/EDGE Miles BEST |
| + Milestone bonuses you reach | ₹0 0 of 2 achieved | ₹2,500 1 of 3 achieved BEST |
| + Fuel surcharge waiver | ₹360 BEST | none |
| + Lifestyle benefits you asked for | none matched | none matched |
| + Renewal bonus (only when the fee is charged) | — | ₹2,500 BEST |
| − Annual fee incl. 18% GST | −₹3,540 BEST | −₹5,900 |
| − Forex markup on international spend | none | none |
| = Recurring net savings | −₹909/yr | ₹5,033/yr BEST |
| ÷ Card spend counted | ₹3,26,640 UPI-only rupees excluded on non-RuPay cards | ₹3,26,640 UPI-only rupees excluded on non-RuPay cards |
| = Effective savings rate | -0.3% | 1.5% BEST |
| Rewards on your spend | ||
| Groceries & quick-commerce (₹72,000/yr) | ₹259 0.4% | ₹864 1.2% BEST |
| Dining & food delivery (₹48,000/yr) | ₹507 1.1% | ₹845 1.8% BEST |
| Online shopping (₹72,000/yr) | ₹432 0.6% | ₹1,440 2.0% BEST |
| Fuel (₹36,000/yr) | ₹0 0.0% | ₹0 0.0% |
| Cabs & commute (₹18,000/yr) | ₹65 0.4% | ₹216 1.2% BEST |
| Bills & utilities (₹30,000/yr) | ₹180 0.6% BEST | ₹0 0.0% |
| Flights (₹24,000/yr) | ₹288 1.2% | ₹1,200 5.0% BEST |
| Hotels (₹12,000/yr) | ₹144 1.2% | ₹600 5.0% BEST |
| Movies & OTT (₹9,600/yr) | ₹115 1.2% | ₹192 2.0% BEST |
| Insurance premiums (₹18,000/yr) | ₹108 0.6% BEST | ₹0 0.0% |
| Everything else (₹48,000/yr) | ₹173 0.4% | ₹576 1.2% BEST |
| Base earn rate | 0.6% | 2% BEST |
| Accelerated categories | 2 rules
| 1 rule
|
| Excluded categories | fuel, rent | fuel, rent, utilities, insurance, education |
| Caps hit for your spend | None | None |
| Milestones |
|
|
| UPI rewards (RuPay) | Not UPI-enabled | Not UPI-enabled |
| Fees & first year | ||
| Joining fee | ₹3,000 + GST | ₹5,000 + GST |
| Fee waiver | Never | Never |
| Renewal benefit | Free Night Award on renewal fee payment | 2,500 miles on renewal (Silver tier; more at higher tiers) |
| Welcome benefit (first year only) | Free Night Award on joining ≈ ₹8,000 | 2,500 EDGE Miles on first transaction within 37 days ≈ ₹2,500 |
| First-year value (separate) | ₹7,091 BEST | ₹5,033 |
| Travel | ||
| Domestic lounge entitlement | 12 per year | 8 per year |
| International lounge entitlement | 12 per year | 4 per year |
| Lounge condition | None | None |
| Forex markup | 3.5% | 3.5% |
| Redemption & simplicity | ||
| Reward currency | Marriott Bonvoy Points · ₹0.45/unit | EDGE Miles · ₹1/unit |
| How to redeem | DetailsRedeem for Marriott stays; ~₹0.45/point on typical Indian redemptions. | DetailsTransfer 1:1 (2:1 to some) to airline & hotel partners; ₹1/mile on Axis Travel Edge bookings. |
| Redemption flexibility | ★★☆☆☆ | ★★★★☆ BEST |
| Simplicity | ★★★☆☆ | ★★★☆☆ |
| Lifestyle | ||
| Benefits you asked for | fuel waiver | fuel waiver |
| All lifestyle perks | hotel status, golf, fuel waiver, insurance cover | concierge, insurance cover |
| Eligibility | Income ₹12L+/yr or ₹1L+/month salary | Income ₹12L+/yr |
| Score breakdown | ||
| Net savings rate | 0/100 × 55% = 0.0 | 31/100 × 55% = 17.2 |
| Usable lounge access | 100/100 × 15% = 15.0 | 100/100 × 15% = 15.0 |
| Redemption flexibility | 40/100 × 10% = 4.0 | 80/100 × 10% = 8.0 |
| Lifestyle fit | 100/100 × 10% = 10.0 | 0/100 × 10% = 0.0 |
| Simplicity | 60/100 × 5% = 3.0 | 60/100 × 5% = 3.0 |
| Fee safety | 0/100 × 5% = 0.0 | 45/100 × 5% = 2.3 |
| Sources | ||
| Official source | HDFC Bank – Marriott Bonvoy | Axis Bank – Atlas Credit Card |
| Last reviewed | 2026-09-12 | 2026-09-12 |
Frequently asked questions
Which is better: Marriott Bonvoy HDFC Bank or Atlas?
For the example profile, Axis Bank Atlas scores highest (45/100, ₹5,033 recurring net savings). The answer changes with your spend mix, lounge needs and fee comfort – edit the profile on this page.
Which has the lower annual fee?
Marriott Bonvoy HDFC Bank: ₹3,540 incl. GST; Atlas: ₹5,900 incl. GST.