By Ankur Mittal
Updated On September 6, 2022

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. Many people love earning more and more Marriott Bonvoy Points as they can save more & more using these points on their hotel, lifestyle, dining, and travel-related benefits.

Best Credit Cards to Earn Marriott Bonvoy Points

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.

List of Best Credit Cards To Earn Marriott Bonvoy Points in India 2022

With a large number of credit cards issued by different card issuers in India, you may find some difficulties in filtering out all the credit cards that can earn you Marriott Bonvoy Points. Not only this, but it is also equally important to compare them on the basis of all their features and fees & charges so that you can choose the one that seems to be the most suitable for your requirements. In this article, you can find the list of best credit cards to earn Marriott Bonvoy Points and all their detailed benefits:

Table of Contents

American Express Platinum Card

Welcome Benefits

SeleQtions, Taj, and Vivanta Hotels’ vouchers worth Rs. 45,000.

Rewards Rate

1 MR on every Rs. 40, 3X Rewards on all international spends, and 5X Rewards Points on transactions via the AmEx 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)
Axis Bank Magnus Credit Card

Welcome Benefits

Choose any one of these- Tata Cliq voucher or a free domestic flight ticket worth Rs. 10,000.

Rewards Rate

12 Axis EDGE REWARDS Points for every Rs. 200 spent with the card, 5X EDGE REWARDS on travel spends via TRAVEL EDGE.

Joining Fees

Rs. 10,000 + GST

The Axis Bank Magnus Credit Card is a super-premium credit card offered by Axis Bank. The card has an annual fee of Rs. 10,000 and offers great benefits in Travel and shopping. The Magnus card offers 12 Axis EDGE REWARDS Points for every retail purchase of Rs. 200 and 5X EDGE REWARDS on travel spending. Apart from the reward rate, you can earn 25,000 bonus Edge Points every month on the basis of your spends. Coming to the travel benefits of Magnus Credit card, you get unlimited access to domestic as well as international airport lounges, Discounted stays at Oberoi Hotels, and a lower foreign currency markup of 2%. The card also offers great dining and movie benefits on BookMyShow, a 25% discount on dining bills, and a 20% discount at 4,000+ restaurants.
The EDGE Points earned with the Axis Bank Magnus Credit card are transferable to the Marriott Bonvoy Loyalty Program. 5 EDGE Points = 4 Marriott Reward Points. Therefore, the effective reward rate of Magnus Credit Card is 4.8%.
The following table illustrates the reward rate of the Axis Magnus Credit card in terms of Marriott Bonvoy Points.
Reward Points Earning Rate 12 Axis EDGE REWARDS Points per Rs. 200 spent on retail and 5X EDGE REWARDS on travel spends.
Points Conversion  5 EDGE REWARD Points = 4 Marriott Reward Points
Effective Reward Rate (for redemption against Marriott Bonvoy Points) 4.8%
American Express Gold Card

Welcome Benefits

4,000 Bonus Membership Rewards Points

Rewards Rate

1 Membership Rewards Point per 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)
Axis Bank Privilege Credit Card

Welcome Benefits

12,500 EDGE REWARD Points on payment of joining fee & 6,250 EDGE REWARD Points for priority banking customers.

Rewards Rate

On every Rs. 200 spent using this credit card, you will get 10 EDGE Points.

Best Suited For

Shopping

Movie

While dining at 4,000+ partnered restaurants, you can enjoy up to 20% discount.

Dining

You can redeem the EDGE Points, for 1 EDGE Point = Rs. 0.20 against a variety of products and vouchers.

Joining Fees

Rs. 1,500
Nil (for priority banking customers)

The Axis Bank Privilege Credit Card offers great benefits in travel as well as in shopping to its cardholders. The card is issued at a joining fee of Rs. 1,500 and an annual fee of Rs. 1,500. The annual fee of the card can be waived on spending Rs. 2.5 Lakh in the previous year. Apart from this, the card offers 2 complimentary visits to the domestic lounges per quarter which means that you can access a domestic lounge 8 times a year. Also, it offers up to 20% discount at more than 4000 partner restaurants with the Axis Bank Dining Delights.
The Axis Bank Privilege Credit card offers 10 EDGE REWARD Points for all domestic or international spend of Rs. 200. The EDGE Points earned with the Axis Bank Privilege Credit card can be converted into Marriott Bonvoy Points. 10 EDGE Points = 1 Marriott Reward Points. Therefore, the effective reward rate of Magnus Credit Card is 0.5%.

Reward Points Earning Rate 10 Axis EDGE REWARDS Points per Rs. 200 international and domestic purchases.
Points Conversion  10 EDGE REWARD Points = 1 Marriott Reward Points
Effective Reward Rate (for redemption against Marriott Bonvoy Points) 0.5%
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

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

Welcome Benefits

Welcome benefit of 4,000 Bonus Membership RPs can be availed on settling the 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 per 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 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)

Features and Benefits

You generally get the Club Marriott Points through the American Express Credit Cards by converting its membership rewards into Marriott points. These cards don’t only offer reward points, but there are many more privileges that you get using these cards. All its features are mentioned below:

  • Reward Rates: Almost all credit cards nowadays offer reward rates to cardholders on all their spends. These reward rates can also be different on different cards and the conversion rates may also vary accordingly. Moreover, the number of rewards can also differ for different categories with different cards.
  • Travel Benefits: Along with the travel deals you can avail using the Club Marriott Points, some of these cards also offer additional travel privileges, such as complimentary lounge access, discounts on flight bookings across several airlines, and many more.
  • Dining Benefits: With the cards mentioned above, the cardholders can avail of various exciting benefits in the dining category as well.
  • Other Benefits: Other benefits of these cards include fuel surcharge waiver, spend-based waiver of the renewal fee, several short & long-term offers, and a lot of other advantages.

Reward Points

We have summarized 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)

How to earn Marriott Bonvoy Rewards Points?

There are a few ways in which you can earn Marriott Bonvoy Points, which will be very beneficial for you if you frequently spend on hotel stays, dining, travel, etc. You can earn Club Marriott Points by:

  • Staying at Marriott Hotels: When you stay at Marriott hotels, you earn a certain number of Marriott Points for every US dollar you spend. Not only for hotel room bookings, but you also get Marriott Bonvoy Points for every purchase you make there, including dining, golf sessions, spas, food & beverages, etc. You can get up to 10 Marriott Points per US $1 on participating golf resorts, and spas.
  • Convert AmEx Membership Rewards: The Membership Rewards earned through the American Express Cards can also be converted into Club Marriott Points and can be used against any category under Marriott Hotels. You can check the conversion rates of different cards on AmEx official website and go for the conversion if it seems to be a beneficial deal.
  • Spend on partner brands: You can also earn Marriott Points on spending on Marriott partner brands, including Edition, Westin, Aloft hotels, Le Meridien, and a lot more.

Marriott Bonvoy Customer Service

In case of any doubts/queries/complaints, you can contact Club Marriott customer care easily via the mobile app or by logging in to your website on the Club Marriott website. You can get your doubts clarified through a call, mail, or chat as per your comfort. However, if you are unable to find any of the ways to contact them, you can visit this page, enter the required details, explain your concern and submit.

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.

The Marriott Bonvoy points expire if your account remains inactive for more than 24 consecutive months.

Yes, the Marriott Bonvoy points are totally worth it for those who spend very often on lifestyle categories, such as dining, travel hotel stays, shopping, etc. These points will help you reduce your spending on these categories as you can use the Marriott points there.

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