HDFC Marriott Bonvoy vs ICICI Manchester United Signature

Compare HDFC Marriott Bonvoy vs ICICI Manchester United Signature across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

HDFC Marriott Bonvoy leads on reward rate, while ICICI Manchester United Signature has the lowest annual fee.

Card 1

HDFC Marriott Bonvoy

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.7.8

Card 2

ICICI Manchester United Signature

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.5.2

HDFC Marriott Bonvoy Credit Card

Balanced value7.8

hdfc / VISA

HDFC Marriott Bonvoy

Annual

₹3,000

Return

4%

Lounges

10

Forex

2%

Card summary

HDFC Marriott Bonvoy leans travel and lifestyle with ₹3,000 annual fee, 4% headline return potential, and 10 lounge access.

Pros

Strong benefit ceiling if you recover the ₹3,000 annual fee.
4% reward rate can outperform flat cashback for loyal users.
10 lounge access adds travel utility.

Cons

Low forex markup matters mainly if you travel internationally.
Eligibility still depends on bank policy and credit history.
Travel value depends on actually using lounge and trip perks.

Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details

ICICI Manchester United Signature - ICICI credit card

Balanced value5.2

icici / MASTERCARD

ICICI Manchester United Signature

Annual

₹2,499

Return

3%

Lounges

6

Forex

3.5%

Card summary

ICICI Manchester United Signature leans reward-led with ₹2,499 annual fee, 3% headline return potential, and 6 lounge access.

Pros

Strong benefit ceiling if you recover the ₹2,499 annual fee.
3% reward rate can outperform flat cashback for loyal users.
6 lounge access adds travel utility.

Cons

3.5% forex markup can reduce overseas value.
Eligibility still depends on bank policy and credit history.
Travel benefits are limited compared with premium cards.

Best for

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details

Metric

HDFC Marriott Bonvoy

ICICI Manchester United Signature

Fees

Annual fee

₹3,000

₹2,499

Joining fee

₹3,000

₹2,499

Rewards

Cashback rate

1%

1%

Reward rate

4%

3%

Travel

Forex markup

2%

3.5%

Domestic lounges

6

4

International lounges

4

2

Benefits

Fuel waiver

No

Yes

Dining

Yes

Yes

Movies

No

Yes

Eligibility

Minimum income

₹12,00,000

₹6,00,000

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