By Ankur Mittal

Marriott Bonvoy is a hotel loyalty program by the American hospitality conglomerate, Marriott International. Marriott Bonvoy Points can be redeemed for hotel reservations, booking flight tickets, car rentals, travel packages, and many other travel-related expenses.

Marriott has partnered with many card issuers worldwide so that the reward points earned on their credit cards are transferable to the Marriott Bonvoy loyalty program. American Express is the only card issuer in India that has partnered with Marriott for reward points redemption. The Membership Rewards Points earned on your AmEx credit card can be converted into Marriott Bonvoy Points. 1 Membership Reward Point = 1 Marriott Bonvoy Point. A minimum of 100 Membership Rewards Points and a maximum of 9,00,000 are required for a transfer to the Marriott Bonvoy loyalty program.

American Express Platinum Credit Card:

American Express Platinum Card

Welcome Benefits

1,00,000 Membership Rewards Points or Taj, SeleQtions, and Vivanta Hotels’ vouchers worth Rs. 45,000.

Rewards Rate

1 Membership Rewards Point on every Rs. 40, 3X Points on all international spends, and 5X Rewards Points on transactions via Reward Multiplier portal.

Joining Fees

Rs. 60,000 (plus applicable taxes)

The Platinum Credit Card is a super-premium offering by American Express. It comes with a membership fee of Rs. 60,000 per annum, which is one of the highest in India. It is a Charge Card–  a name given by American Express to the cards that it issues without a pre-decided credit limit. The credit limit of these Charge Cards varies according to the financial behavior of the cardholder.

As AmEx Platinum Card is a super premium credit card, it offers a plethora of best in class privileges including unlimited complimentary domestic and international airport lounge access, travel-related insurance benefits, discounts at premium hotel chains like Taj, SeleQtions, Vivanta, etc., 24×7 global concierge service and many other premium benefits.

American Express Platinum Credit Card earns you 1 Membership Rewards Point per Rs. 40 spent with the card, 3X Membership Rewards Points on all spends abroad and 5X Membership Rewards Points on the American Express Reward Multiplier Portal. The Membership Rewards Points earned on AmEx Platinum Credit Card are transferable to the Marriott Bonvoy Loyalty Program. 1 Membership Rewards Point = 1 Marriott Reward Point. Therefore, the effective reward rate of American Express Platinum Credit Card comes out to be 2.5%.

The following table illustrates the reward rate of the American Express Platinum Credit Card in terms of Marriott Bonvoy Points.

 

Reward Points Earning Rate 1 Reward Points per Rs. 40 spent
Points Conversion  1 Membership Rewards Point = 1 Marriott Bonvoy Point (1:1 conversion ratio)
Effective Reward Rate (for redemption against Marriott Bonvoy Points) 2.5% (on redemption against Marriott Bonvoy Points)

American Express Gold Credit Card:

American Express Gold Card

Welcome Benefits

4,000 Bonus Membership Rewards Points

Rewards Rate

1 Membership Rewards Point for every Rs. 50 spent with the card,  5X Membership Rewards Points on Rewards Multiplier Portal

Joining Fees

Rs. 1,000 (plus applicable taxes)

American Express Gold Credit Card is a mid-level lifestyle credit card by American Express. It is also a Charge Card, i.e. its credit limit varies based on the cardmember’s spending habit.

The card comes with a joining fee of Rs. 1,000, and a membership fee of Rs. 4,500 is payable second year onwards. You get plenty of benefits and privileges with the card like discounted rates on flight and hotel bookings, bonus Membership Rewards Points as Milestone Benefits, discounts on dining bills at select premium restaurants, etc with the card.

American Express Gold Credit Card earns you 1 Membership Rewards Point per Rs. 50 spent and 5X  Membership Rewards Points on Reward Multiplier. The Membership Rewards Points earned on AmEx Gold Credit Card can be converted into Marriott Bonvoy Points. The conversion ratio of Membership Rewards Points into Marriott Bonvoy Points is 1:1, i.e. 1 Membership Rewards Point = 1 Marriott Bonvoy Point. Therefore, the effective reward rate of American Express Gold Credit Card is 2% on redemption of the Membership Rewards Points against Marriott Bonvoy Points.

 

Reward Points Earning Rate 1 Reward Points per Rs. 50 spent
Points Conversion  1 Membership Rewards Point = 1 Marriott Bonvoy Point (1:1 conversion ratio)
Effective Reward Rate (for redemption against Marriott Bonvoy Points) 2% (on redemption against Marriott Bonvoy Points)

American Express Platinum Travel Credit card:

American Express Platinum Travel Credit Card

Welcome Benefits

10,000 Membership Rewards Points

Rewards Rate

2 Membership Rewards Points for every Rs. 100 spent.

Joining Fees

Rs. 3,500 (plus applicable taxes)

American Express Platinum Travel Credit Card is a premium travel card by American Express. The card comes with a membership fee of Rs. 3,500 per annum, and being a travel credit card, offers many travel benefits to the customers including complimentary (limited) domestic and international airport lounge access, gift vouchers from premium hotel chains like Taj, SleQtions and Vivanta on achieving the stipulated spends based milestones, etc.

American Express Platinum Travel Credit Card earns you 1 Membership Rewards Point per Rs. 50 spent with the card (just like the Gold Credit Card) and accelerated 3X Membership Rewards Points on the Reward Multiplier portal. Like other AmEx cards, the Membership Rewards Points earned on the Platinum Travel Credit Card can be transferred to the Marriott Bonvoy loyalty program. 1 Membership Rewards Points = 1 Marriott Bonvoy Point (conversion ratio of 1:1). Thus, reward rate of American Express Platinum Credit Card on redemption against Marriott Bonvoy Points is 2%.

 

Reward Points Earning Rate 1 Reward Points per Rs. 50 spent
Points Conversion  1 Membership Rewards Point = 1 Marriott Bonvoy Point (1:1 conversion ratio)
Effective Reward Rate (for redemption against Marriott Bonvoy Points) 2% (on redemption against Marriott Bonvoy Points)

 

American Express Platinum Reserve Credit Card:

American Express Platinum Reserve Credit Card

Welcome Benefits

11,000 bonus Membership Rewards Points on realization of the joining fee, subject to a minimum expenditure of Rs. 30,000 within 90 days of card issuance.

Rewards Rate

1 Membership Reward Point for every Rs. 50 spent with the card except for spends on fuel, utilities, insurance, cash transactions, and EMI conversion at Point of Sale.

Joining Fees

Rs. 5,000 (plus applicable taxes)

The Platinum Reserve credit card is the second most premium credit card that American Express offers, only next to the  Platinum card, which is a Charge Card (Charge cards are those that have a variable credit limit). The joining fee of the Platinum Reserve Credit Card is Rs. 5,000, while an annual membership fee of Rs. 10,000 is chargeable second year onwards. Looking at the benefits that it offers, from Taj Epicure InnerCircle membership and Hotel Collection program to complimentary domestic and international airport lounge access and 24×7 concierge service, one might consider it a travel credit card, although it does offer many other benefits including exclusive dining benefits and complimentary rounds of golf and movie vouchers.

As far as reward points are concerned, you earn 1 American Express Membership Rewards Points for every Rs, 50 spent with the card. The Membership Rewards Points earned can be transferred to the Marriott Bonvoy Loyalty Program. The transfer ratio applicable is 1:1 (just like other AmEx credit cards). Therefore, the reward rate of the Platinum Reserve Credit Card in terms of Marriott Bponvoy Points can be calculated as 2%.

 

Reward Points Earning Rate 1 Reward Points per Rs. 50 spent
Points Conversion  1 Membership Rewards Point = 1 Marriott Bonvoy Point (1:1 conversion ratio)
Effective Reward Rate (for redemption against Marriott Bonvoy Points) 2% (on redemption against Marriott Bonvoy Points)

American Express Membership Rewards Credit Card:

American Express Membership Rewards Credit Card

Welcome Benefits

Welcome benefit of 4,000 Bonus Membership Reward Points can be availed on payment of joining fee of Rs 1,000 and spending of Rs 15,000 within the first 90 days of the card issuance.

Rewards Rate

1 membership reward point for every Rs 50 spent excluding fuel transactions, Utility bill payments, insurance, and cash transactions

Joining Fees

Rs 1,000 (plus applicable taxes)

American Express Membership Rewards Credit Card is a mid-level credit card by American Express. The card comes with a joining fee of Rs. 1,000, while a membership fee of Rs. 4,500 is payable second year onwards. You get many add-on benefits with the card including complimentary gift vouchers from big names like Amazon, Taj, Tanishq, etc, discounts on dining bills, spends-based renewal fee waivers, etc with American Express Membership Rewards Credit Card.

American Express Membership Rewards Credit Card earns you 1 Membership Rewards Point per Rs. 50 spent with the card. The Membership Rewards Points earned on the AmEx Membership Rewards Credit Card can be converted into Marriott Bonvoy Points with a conversion ratio of 1:1, i.e. 1 Membership Rewards Point = 1 Marriott Bonvoy Point. Thus, the effective reward rate of the American Express Membership Rewards Credit Card is 2%.

 

Reward Points Earning Rate 1 Reward Points per Rs. 50 spent
Points Conversion  1 Membership Rewards Point = 1 Marriott Bonvoy Point (1:1 conversion ratio)
Effective Reward Rate (for redemption against Marriott Bonvoy Points) 2% (on redemption against Marriott Bonvoy Points)

American Express SmartEarn Credit Card:

American Express Smart Earn Credit Card

Welcome Benefits

Cashback of Rs. 500 on spends of Rs. 10,000 within 90 days of card issuance.

Rewards Rate

1 Membership Reward Point/Rs. 50 spent (with a few exceptions), accelerated Reward Points on Amazon and Flipkart (10X), Uber (10X) and on other merchants like Paytm, Swiggy, PVR, etc (5%).

Joining Fees

Rs. 495 (plus applicable taxes)

American Express SmartEarn Credit Card is an entry-level card and comes with an annual membership fee of Rs. 495. You earn 1 Membership Rewards Point for every Rs. 50 spent on all retail purchases (with a few exceptions) and accelerated Membership Rewards Points on Amazon, Flipkart, Uber (10X rate) and on many other online merchants including Paytm, Swiggy, BookMyShow, PVR, etc (5X rate) with this card. It is a decent card for beginners, at least as far as American Express cards are concerned. You can also get the annual membership fee waived if you spend more than Rs. 40,000 in a year.

The Membership Rewards Points earned on American Express SmartEarn Credit Card can be converted into Marriott Bonvoy Points. 1 Membership Rewards Point = 1 Marriott Bonvoy Point (1:1 conversion rate). The reward rate of AmEx SmartEarn Credit Card is 2%.

 

Reward Points Earning Rate 1 Reward Points per Rs. 50 spent
Points Conversion  1 Membership Rewards Point = 1 Marriott Bonvoy Point (1:1 conversion ratio)
Effective Reward Rate (for redemption against Marriott Bonvoy Points) 2% (on redemption against Marriott Bonvoy Points)

 

We have summarised the Reward Points earning rate and effective reward rate of the various credit cards in the table below-

 

Credit Card Reward Points Earning Rate Points Conversion Effective Reward Rate (for redemption against Marriott Bonvoy Points)
American Express Platinum Credit Card 1 Reward Point per Rs. 40 spent (2.5%) 1 Membership Rewards Point = 1 Marriott Bonvoy Point (1:1 conversion ratio) 2.5% (on redemption against Marriott Bonvoy Points)
American Express Gold Credit Card 1 Reward Point per Rs. 50 spent (2%) 1 Membership Rewards Point = 1 Marriott Bonvoy Point (1:1 conversion ratio) 2% (on redemption against Marriott Bonvoy Points)
American Express Platinum Travel Credit Card 1 Reward Point per Rs. 50 spent (2%) 1 Membership Rewards Point = 1 Marriott Bonvoy Point (1:1 conversion ratio) 2% (on redemption against Marriott Bonvoy Points)
American Express Platinum Reserve Credit Card 1 Reward Point per Rs. 50 spent (2%) 1 Membership Rewards Point = 1 Marriott Bonvoy Point (1:1 conversion ratio) 2% (on redemption against Marriott Bonvoy Points)
American Express Membership Rewards Credit Card 1 Reward Point per Rs. 50 spent (2%) 1 Membership Rewards Point = 1 Marriott Bonvoy Point (1:1 conversion ratio) 2% (on redemption against Marriott Bonvoy Points)
American Express SmartEarn Credit Card 1 Reward Point per Rs. 50 spent (2%) 1 Membership Rewards Point = 1 Marriott Bonvoy Point (1:1 conversion ratio) 2% (on redemption against Marriott Bonvoy Points)

 

Bottom Line:

If you’re a frequent traveler and want to make your stay comfortable with luxurious privileges at Marriott hotels and resorts, American Express credit cards are certainly worth looking at as AmEx is the only card issuer in the country that allows Points transfer to the Marriott Bonvoy loyalty program. Marriott Bonvoy Points are redeemable for many travel-related spends including hotel reservations, car rentals, travel packages and flight tickets.

FAQs:

American Express is the only credit card issuer in India that allows the transfer of Membership Rewards Points to the Marriott Bonvoy Loyalty Program.

Yes, the Membership Rewards Points earned on any of the American Express Credit Cards can be transferred to the Marriott Bonvoy loyalty program.

The conversion ratio of American Express Membership Rewards Points into Marriott Bonvoy Points is 1:1, i.e. 1 Membership Rewards Point = 1 Marriott Bonvoy Point. The conversion ratio is the same for all American Express credit cards.

The reward rate of American Express Platinum Credit Card in terms of transfer of Membership Rewards Points to Marriott Bonvoy loyalty program is 2.5%, for all other American Express credit cards, the reward rate is 2% (in terms of redemption of the Membership Rewards Points for Marriott Bonvoy Points).

The Membership Rewards Points earned on American Express credit cards can be redeemed for various travel-related spends including hotel reservations, flight tickets, car rentals and travel packages.

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