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

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

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

Marriott Bonvoy HDFC Bank Credit Card has a lower annual fee (₹3,000 vs ₹3,500).

Which card offers better lounge access?

Marriott Bonvoy HDFC Bank Credit Card: 12 domestic + 12 international lounge visits/year. ICICI Sapphiro Credit Card: 4 per quarter domestic lounge.

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 →

HDFC Bank Marriott Bonvoy vs ICICI Bank Sapphiro Mastercard Credit Cards – Fees, Lounge, Forex

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

Quick comparison

Three core metrics

Marriott Bonvoy HDFC Bank

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

Sapphiro Mastercard ICICI Bank

Annual fee ₹3,500 Waivable at ₹6,00,000 spend
Forex markup 3.5%
Domestic lounge 4/quarter Conditional · Domestic: 4/quarter · requires ₹75,000 spend in the previous calendar quarter

Reward earning explained

Per card

Marriott Bonvoy

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

Sapphiro Mastercard

4 pts / ₹100 on International spend (Eligible international retail spends per S…

Pick based on what matters

2 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank Marriott Bonvoy: ₹3,000 vs ICICI Bank Sapphiro Mastercard: ₹3,500), forex markup (3.5% vs 3.5%), or lounge access (12/year vs 4/quarter).

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 12 per year. Domestic lounge access is 4 per quarter.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Marriott Bonvoy HDFC Bank: Base earn not clearly specified
Sapphiro: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Marriott Bonvoy HDFC Bank	Sapphiro Mastercard ICICI Bank
Lounge Access
Domestic lounge visits 12/year vs 4/quarter	12/year	4/quarter
International lounge visits 12/year vs 2/year	12/year	2/year
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹3,000 vs ₹3,500	₹3,000	₹3,500
Joining fee ₹3,000 vs ₹6,500	₹3,000	₹6,500
Fee waiver spend ₹8,00,000 vs ₹6,00,000	₹8,00,000	₹6,00,000
Interest-free period Up to 50 days vs Up to 48 days	Up to 50 days	Up to 48 days
Rewards
Reward points (base spend) 2 pts/₹150 vs 4 pts/₹100	2 pts/₹150	4 pts/₹100
Point validity Only available for Marriott Bonvoy HDFC Bank	2 years	Not specified

Notes

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