Quick Verdict

  • For everyday spend, the Marriott Bonvoy HDFC Bank Credit Cardⓘ wins with a higher base reward rate of 1.3%, compared to 0.7% on the Eazydiner Indusind Bank Credit Cardⓘ.
  • When it comes to travel and lounge access, the Marriott Bonvoy card also leads, offering 12 domestic and 12 international lounge visits per year, versus 4 domestic lounges and no international lounges on the Eazydiner card.
  • The Eazydiner Indusind Bank Credit Card is slightly cheaper in fees by Rs 1 annually but requires a higher spend of Rs 2 lakh per year to get the fee waived, compared to no waiver information for the Marriott Bonvoy card.
  • Choose the Eazydiner card if dining rewards and premium dining discounts matter most; pick the Marriott Bonvoy card if you prioritize travel rewards, lounge access, and premium lifestyle benefits.

Side by Side

DetailEazydiner Indusind Bank Credit CardⓘMarriott Bonvoy HDFC Bank Credit Cardⓘ
Annual feeRs 2,999Rs 3,000
Joining feeRs 2,999Rs 3,000
Fee waiver on spendRs 2.00 lakh(Not specified)
Reward rate0.7% base, 10% dining1.3% base, 2.6% travel & dining
Reward typepointspoints
Domestic lounge4 per year12 per year
International loungeNone12 per year
Forex markup3.5%3.5%
Best suited fordining, rewards, lounge, traveltravel, premium, lounge, rewards, shopping

Rewards Compared

Spending Rs 10,000 on the Eazydiner Indusind Bank Credit Cardⓘ earns Rs 70 back at the base rate of 0.7%. However, if that spend is on dining, the effective return skyrockets to Rs 1,000 per Rs 10,000, reflecting a 10% reward rate. This makes the Eazydiner card highly attractive for those whose primary spend category is dining, especially with its additional benefits like 25 to 50% dining discounts at premium restaurants.

In contrast, the Marriott Bonvoy HDFC Bank Credit Cardⓘ delivers Rs 130 per Rs 10,000 spent at the base rate of 1.3%, nearly double that of Eazydiner’s base rate. For dining and travel spends, it offers a 2.6% return, which equates to Rs 260 per Rs 10,000. While this is significantly lower than the Eazydiner’s 10% dining rate, the Marriott Bonvoy card’s more balanced rewards across travel and dining categories make it versatile. It also offers value through its premium benefits and elite status perks.

Fees Compared

The Eazydiner Indusind Bank Credit Cardⓘ charges a joining and annual fee of Rs 2,999 each. This fee is waived if you spend Rs 2.00 lakh annually, or approximately Rs 16,667 per month. If you do not meet this spend, your effective cost of holding the card is Rs 2,999 annually.

The Marriott Bonvoy HDFC Bank Credit Cardⓘ has a similar joining fee of Rs 3,000 and annual fee of Rs 3,000. There is no specified fee waiver on spend. Given the Rs 1 difference in fees, the Marriott Bonvoy card’s higher reward base rate means you only need to spend about Rs 167 more annually for the incremental rewards to justify the slightly higher fee.

Which One Should You Pick

Pick the Eazydiner Indusind Bank Credit Cardⓘ if you mostly spend on dining and want access to premium dining discounts and a free EazyDiner Prime membership. It is also suitable if you want some domestic lounge access and a hotel stay voucher as part of the welcome benefits. It is less suitable if you spend heavily outside dining or need international lounge access.

Choose the Marriott Bonvoy HDFC Bank Credit Cardⓘ if your spend is more balanced between travel, dining, and shopping, and you value frequent lounge access both domestically and internationally. Its premium benefits like golf lessons, concierge service, and Marriott Silver Elite status add lifestyle value. You should skip this card if you do not travel frequently or want to avoid the forex markup on international transactions.

For a decisive call: frequent diners and those seeking dining discounts should go for the Eazydiner card, while travelers and premium lifestyle seekers will find the Marriott Bonvoy card a better fit.

What to Check Before You Apply

  • Confirm the maximum caps on dining discounts and reward points to avoid surprises.
  • Check the redemption value of points carefully; some category points may convert differently.
  • Assess the monthly spend needed to waive the annual fee, especially for the Eazydiner card.
  • Verify the forex markup charges if you plan to use the card abroad, as both cards charge 3.5%.
  • Check which airports and lounges are covered to ensure lounge access matches your travel patterns.

FAQ

What is the primary difference in rewards between these two cards?+
The Eazydiner Indusind Bank Credit Card offers a very high 10% reward rate on dining spends, making it ideal for food lovers. The Marriott Bonvoy HDFC Bank Credit Card offers a higher base reward rate of 1.3% and 2.6% on travel and dining, providing more balanced rewards across categories.
Are there any fee waivers available for these cards?+
The Eazydiner card waives its Rs 2,999 annual fee if you spend Rs 2 lakh per year. The Marriott Bonvoy card does not specify any fee waiver on spend.
How many lounge visits do I get with each card?+
The Eazydiner card offers 4 domestic lounge visits per year and no international lounges. The Marriott Bonvoy card grants 12 domestic and 12 international lounge visits annually.
Do these cards charge forex markup fees for foreign currency transactions?+
Yes, both cards charge a forex markup fee of 3.5% on foreign currency spends.
What premium benefits come with the Marriott Bonvoy HDFC Bank Credit Card?+
It provides complimentary Marriott Bonvoy Silver Elite status, 2 golf lessons and 2 golf course accesses per quarter with concierge assistance, and 12 complimentary airport lounge accesses per year.