Marriott Bonvoy HDFC Bank Credit Card
The Marriott Bonvoy HDFC Bank Credit Card is a premium co-branded credit card from HDFC Bank and Marriott Bonvoy, with a joining fee of ₹3,000 + GST.
It earns up to 8 pts per ₹150 (≈2.9% value) on Marriott Bonvoy spends in the form of marriott bonvoy points (points).
Cardholders get 12 annual domestic + 12 annual international airport lounge access, plus 1 free night award (up to 15,000 points) + silver elite status + 10 elite night credits as a welcome benefit.
- Joining Fee₹3,000
- Annual Fee₹3,000
- Best Suited ForTravel
- Reward TypeMarriott Bonvoy Points (points)
- 8 pts per ₹150 on marriott properties
- 4 pts per ₹150 on travel dining
- Base 0.73% on other spends
- 1 Free Night Award (up to 15,000 points) + Silver Elite status + 10 Elite Night Credits
Rewards and Benefits
- ₹6,00,000 / annual: Free Night Award worth up to 15,000 Bonvoy points
- ₹9,00,000 / annual: additional Free Night Award (up to 15,000 points)
- ₹15,00,000 / annual: additional Free Night Award (up to 15,000 points)
- air accident: ₹1,00,00,000
- Marriott Bonvoy Silver Elite status — Complimentary Silver Elite status on the Marriott Bonvoy programme.
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
- Dining & food delivery₹117/mo
You spend ₹8,000 · earns 1.5% = ₹117 uncapped
- Valued at realized redemption value
- Travel & hotels₹147/mo
You spend ₹10,000 · earns 1.5% = ₹147 uncapped
- Valued at realized redemption value
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.7% = ₹110/mo
- Groceries₹8,000 · 0.7% = ₹59/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Utilities & bills₹5,000 · 0.0% = ₹0/mo
₹5,192 rewards − ₹3,000 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- Co-branded premium card by HDFC Bank and Marriott Bonvoy.
- Joining / annual fee of ₹3,000 + GST.
- Available on the Diners Club International network.
- Complimentary airport lounge access: domestic (12/annual) + international (12/annual).
- Insurance cover bundled: air accident.
Pros & Cons
- Low forex markup of 2.00% — suited to international spends.
- Complimentary international airport lounge access.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- No annual-fee waiver option.
- No rewards on fuel spends.
₹8,250 welcome benefit
- 1 Free Night Award (up to 15,000 points) + Silver Elite status + 10 Elite Night CreditsJoining fee paidWindow: 90 days from issuance.
Accelerated rewards
- 8 pts per ₹150 on marriott properties8 Bonvoy points per ₹150 on spends at participating Marriott hotels. Stacks with Bonvoy member earn (handled via loyalty_program: marriott-bonvoy at calculator time).
- 4 pts per ₹150 on travel dining
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- government
- insurance premiums
- emi
- utilities
Milestone benefits
- ₹6,00,000 / annual: Free Night Award worth up to 15,000 Bonvoy points (≈ ₹8,250 value)
- ₹9,00,000 / annual: additional Free Night Award (up to 15,000 points) (≈ ₹8,250 value)
- ₹15,00,000 / annual: additional Free Night Award (up to 15,000 points) (≈ ₹8,250 value)
Airport lounge access
Insurance benefits
- air accident: ₹1,00,00,000
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per statement.
Other benefits
- Marriott Bonvoy Silver Elite status. Complimentary Silver Elite status on the Marriott Bonvoy programme.
Sources
- : www.hdfc.bank.in · retrieved 12 Jun 2026
Last verified 12 Jun 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–60
- Credit score
- 750+
- Income (salaried)
- ₹15,00,000 p.a.
- Income (self-employed)
- ₹18,00,000 p.a.