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REWARD POINTS CARD

Marriott Bonvoy HDFC Bank Credit Card

HDFC Bank

Marriott Bonvoy Points on spends, with higher earn at participating Marriott Bonvoy hotels, plus Free Night Awards, Silver Elite Status, domestic and international airport lounge access and golf benefits.

Points earn on non-EMI eligible spends only; fuel, rent, wallet loads, government payments and more earn nothing. No fee waiver is offered. Welcome benefits differ for cards onboarded before and after 1 Oct 2026.

Marriott Bonvoy HDFC Bank Credit Card
ANNUAL FEE
₹3,000 + GST
JOINING FEE
₹3,000 + GST
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Earn 8 Marriott Bonvoy Points per ₹150 spent at participating Marriott Bonvoy hotels (non-EMI eligible spends).
BEST FOR
Included: May suit cardholders who stay at participating Marriott Bonvoy hotels and spend on travel, dining and entertainment.
Included: May suit those who spend regularly at participating Marriott Bonvoy hotels.
Included: May suit those who spend on travel, dining and entertainment, which earn 4 points per ₹150 up to the monthly limit.
Included: May suit those who can reach the yearly ₹6 lakh, ₹9 lakh or ₹15 lakh eligible spend levels that unlock extra Free.
Limitation: Spends on fuel, rent, wallet loads, EMI or government payments, which earn no points may wish to compare other cards.
Limitation: Those whose spends are mainly fuel, rent or wallet loads, which earn no points may wish to compare other cards.
Limitation: Those who want cash-value rewards may wish to compare other cards.
Limitation: Applicants outside the income criteria may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Points are credited to the Marriott Bonvoy account after each billing cycle; allow up to 12 weeks for them to post.
Condition: Points do not expire while the Marriott Bonvoy account has earning or redemption activity at least once every 24 months.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
21
Maximum age
60

Fees & ownership

Joining fee
₹3,000 + GST
Annual / renewal fee
₹3,000 + GST
Fee waived at
No fee waiver offered under the Marriott Bonvoy programme
Forex markup
3.5%
Finance charge
Not stated
Cash withdrawal fee
2.5% of the amount, minimum ₹500
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
12 visits per year — 12 complimentary visits per year within India (domestic and international terminals) · Primary and add-on cardholders only; guests not eligible. Entry card swipe declines once the quota is used.
International airport lounge
12 visits per year — 12 complimentary visits per year outside India · List on DCI travel tool app. Primary and add-on cardholders; guests not eligible; swipe declines once quota is used.
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Diners Club lounges in India and worldwide (international list on the DCI travel tool app)
EVERYDAY
Fuel
No fuel surcharge waiver
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
No points on fuel, online gaming, EMI/SmartEMI, wallet/gift/prepaid card loads and vouchers, cash advances, outstanding-balance and fee payments, government and rental transactions.; Fuel, online gaming, EMI, wallet/gift/prepaid card loads and vouchers, cash advances, outstanding-balance and fee payments, government and rental transactions; grocery spend above ₹1.5 lakh a month.
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Credited automatically

Who this card may suit

MAY SUIT
Included: Earn 8 Marriott Bonvoy Points per ₹150 spent at participating Marriott Bonvoy hotels (non-EMI eligible spends).
Included: Earn up to 4 Free Night Awards: one on fee levy, plus one each at ₹6 lakh, ₹9 lakh and ₹15 lakh eligible spend in an anniversary year; each up to 15,000 points.
Included: 12 complimentary lounge visits a year within India and 12 outside India, for primary and add-on cardholders.
Included: 2 complimentary golf lessons and 2 golf course accesses per quarter at select venues, with golf concierge assistance.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.