# Marriott Bonvoy HDFC vs HDFC Regalia Gold

Marriott Bonvoy HDFC costs ₹3,000 a year and HDFC Regalia Gold ₹2,500. They differ on the forex markup, airport lounge access, transfer partners, the statuses they open and the network.

Each row is what the bank publishes for each card, read from its own documents and dated. Nothing here ranks the cards: which one suits you turns on where you spend. Each card’s page holds every rule and its source.

- [Marriott Bonvoy HDFC](https://getbrief.cards/cards/marriott-bonvoy-hdfc), HDFC Bank
- [HDFC Regalia Gold](https://getbrief.cards/cards/hdfc-regalia-gold), HDFC Bank

| | Marriott Bonvoy HDFC | HDFC Regalia Gold |
|---|---|---|
| Annual fee | ₹3,000 + GST | ₹2,500 + GST |
| Fee waiver | None | Waived at ₹4,00,000 spend per card year |
| Forex markup | 3.5% | 2% |
| On ₹1,00,000 spent abroad | ₹4,130 in markup and GST | ₹2,360 in markup and GST |
| Network | Diners Club | Mastercard |
| Everyday spend | 2 Bonvoy / ₹150 | 5 RP / ₹200 from 15 May 2026 |
| Rewards in | Marriott Bonvoy Points, ₹0.5 a point at the bank’s baseline | HDFC Reward Points (Regalia Gold), ₹0.5 a point at the bank’s baseline |
| Transfer partners | 21 programmes | 11 programmes |
| Airport lounges | 24 domestic and international visits a year | 12 domestic visits a year · 6 international visits a year |
| Statuses it opens | Bonvoy Silver | None |
| Spend milestones | None | 3 milestones |
| Applications | Open | Open |
| Last checked | 21 October 2026 | 27 October 2026 |

## How each one earns

### Marriott Bonvoy HDFC

- 2 Bonvoy / ₹150 · verified · checked 13 June 2026
- 8 Bonvoy / ₹150 at Marriott · verified · checked 13 June 2026
- 4 Bonvoy / ₹150 travel/dining/entertainment · verified · checked 13 June 2026

Every rule on the Marriott Bonvoy HDFC page: https://getbrief.cards/cards/marriott-bonvoy-hdfc

### HDFC Regalia Gold

- 5 RP / ₹200 from 15 May 2026 · ✓ official · checked 26 October 2026
- 5X on Nykaa/Myntra/M&S/Reliance Digital (cap 5K RP/mo) · ✓ official · checked 26 October 2026
- 5X via SmartBuy Instant Vouchers (Gyftr) · 25 RP/₹200, cap 4K RP/mo and 2K/day · brand vouchers capped at 3K RP/mo from about 1 Jul 2026 · ✓ official · checked 26 October 2026
- 5 RP / ₹200 on insurance, capped at 2,000 RP a month · ✓ official · checked 27 October 2026
- 5 RP / ₹200 on grocery, capped at 2,000 RP a month · ✓ official · checked 27 October 2026

Every rule on the HDFC Regalia Gold page: https://getbrief.cards/cards/hdfc-regalia-gold


## Questions

### What is the annual fee of Marriott Bonvoy HDFC and HDFC Regalia Gold?

As of 27 October 2026, Marriott Bonvoy HDFC: ₹3,000 + GST. HDFC Regalia Gold: ₹2,500 + GST, waived at ₹4,00,000 spend per card year.

### Which charges less on spend abroad, Marriott Bonvoy HDFC or HDFC Regalia Gold?

As of 27 October 2026, HDFC Regalia Gold charges a 2% markup against 3.5% on Marriott Bonvoy HDFC: on ₹1,00,000 spent abroad that is ₹2,360 against ₹4,130, GST included.

### Do Marriott Bonvoy HDFC and HDFC Regalia Gold come with airport lounge access?

As of 27 October 2026, Marriott Bonvoy HDFC: 24 domestic and international visits a year. HDFC Regalia Gold: 12 domestic visits a year · 6 international visits a year.


## Other cards side by side

- [HDFC Regalia Gold vs HDFC Millennia](https://getbrief.cards/compare/hdfc-regalia-gold-vs-hdfc-millennia)
- [HDFC Regalia vs HDFC Regalia Gold](https://getbrief.cards/compare/hdfc-regalia-vs-hdfc-regalia-gold)
- [ICICI Bank Sapphiro vs HDFC Regalia Gold](https://getbrief.cards/compare/icici-sapphiro-vs-hdfc-regalia-gold)
- [HDFC Regalia Gold vs HDFC Diners Club Privilege](https://getbrief.cards/compare/hdfc-regalia-gold-vs-hdfc-diners-privilege)
- [HDFC Diners Club Black Metal vs HDFC Regalia Gold](https://getbrief.cards/compare/hdfc-diners-club-black-metal-vs-hdfc-regalia-gold)
- [Scapia (Federal Bank) vs HDFC Regalia Gold](https://getbrief.cards/compare/scapia-federal-vs-hdfc-regalia-gold)

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

Canonical: https://getbrief.cards/compare/marriott-bonvoy-hdfc-vs-hdfc-regalia-gold