Which card has a lower forex fee: Axis Bank Horizon Credit Card or Marriott Bonvoy HDFC Bank Credit Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: Axis Bank Horizon Credit Card or Marriott Bonvoy HDFC Bank Credit Card?

Both cards have the same annual fee (₹3,000).

Which card offers better lounge access?

Axis Bank Horizon Credit Card: 8 per quarter domestic lounge. Marriott Bonvoy HDFC Bank Credit Card: 12 domestic + 12 international lounge visits/year.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

Axis Bank Horizon vs HDFC Bank Marriott Bonvoy Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank Horizon and the HDFC Bank Marriott Bonvoy. Verify fees, lounge access, forex markup, and base rewards before you apply.

Quick comparison

Three core metrics

Horizon Axis Bank

Annual fee ₹3,000
Forex markup 3.5%
Domestic lounge 8/quarter

Marriott Bonvoy HDFC Bank

Annual fee ₹3,000 Waivable at ₹8,00,000 spend
Forex markup 3.5%
Domestic lounge 12/year

Reward earning explained

Per card

Horizon

2 EDGE Miles / ₹100 on General spend

Limited data

Marriott Bonvoy

8 pts / ₹150 on Hotel (Above ₹10 per cycle) + 4 pts / ₹150 on Travel Dining (Ab…

Limited data

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (Axis Bank Horizon: ₹3,000 vs HDFC Bank Marriott Bonvoy: ₹3,000), forex markup (3.5% vs 3.5%), or lounge access (8/quarter vs 12/year).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 8 per quarter. Domestic lounge access is 12 per year.
Rewards Insufficient data

Insufficient data to compare rewards

Only Axis Bank Horizon has comparable evidence here. Estimated base reward value is ~2% on base spend.

Horizon: Limited data Marriott Bonvoy: Limited data

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Horizon: ~₹1,000/month at base rate
Marriott Bonvoy HDFC Bank: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Horizon Axis Bank	Marriott Bonvoy HDFC Bank
Lounge Access
Domestic lounge visits 8/quarter vs 12/year	8/quarter	12/year
International lounge visits 8/year vs 12/year	8/year	12/year
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee	₹3,000	₹3,000
Joining fee	₹3,000	₹3,000
Fee waiver spend Only available for Marriott Bonvoy HDFC Bank	Not specified	₹8,00,000
Rewards
Reward points (base spend) 2 pts/₹100 vs 2 pts/₹150	2 pts/₹100	2 pts/₹150
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Horizon	₹1	Not specified
Point validity Only available for Marriott Bonvoy HDFC Bank	Not specified	2 years

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.