Marriott Bonvoy HDFC Bank Credit Card
A Marriott co-branded card earning Marriott Bonvoy points: 8 per ₹150 at Marriott hotels, 4 per ₹150 on travel, dining and entertainment, 2 per ₹150 elsewhere, with a Free Night Award each year on the ₹3,000 fee and 12 + 12 lounge visits. Every figure below is copied from HDFC Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Not on record from an official document: rupee value of a reward point. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹3,000 plus GST Fee schedule |
|---|---|
| Annual fee | ₹3,000 plus GST Fee schedule |
| Annual fee waiver | None on record |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 3.5% of the transaction, plus GST Terms |
| No spend-based fee waiver: the FAQ says cardmembers are not eligible for a fee waiver; the fee is charged on the 45th day after issuance. | |
Rewards
Reward points (rupee value not on record).
| Spend | Earns | Cap |
|---|---|---|
| Travel, dining and entertainment (4 points per ₹150 up to ₹5 lakh of such spend a month) | 4 points per ₹150 Product page | no cap on record |
| All other eligible spends | 2 points per ₹150 Product page | no cap on record |
Points are Marriott Bonvoy points, credited to the Marriott Bonvoy account; they cannot be exchanged for cash or credit, and HDFC Bank states no rupee value for them.
The 4-point and 8-point rates fall to 2 points per ₹150 above ₹5 lakh and ₹10 lakh of such spend in a month; grocery spends earn 2 points per ₹150 only up to ₹1.5 lakh a month.
No rewards on
- Fuel, wallet and gift-card loads, vouchers, government payments, rent, EMI and online gaming Terms
Benefits
- Lounges: 12 complimentary domestic lounge visits and 12 international lounge visits a year, for primary and add-on cardholders Terms
- Welcome: 1 Free Night Award (up to 15,000 Marriott Bonvoy points) after the fee is levied, and again every anniversary year Terms
- Welcome: 10 Elite Night Credits a year Terms
- Welcome: Marriott Bonvoy Silver Elite status Terms
- Milestone: 1 Free Night Award on ₹6 lakh of eligible spend in an anniversary year Product page
- Milestone: A further Free Night Award on ₹9 lakh Product page
- Milestone: A further Free Night Award on ₹15 lakh Product page
Also on this card
Quoted from HDFC Bank; not counted in the net value.
- 8 Marriott Bonvoy points per ₹150 at hotels in Marriott Bonvoy Product page
- Marriott Bonvoy Silver Elite status and 10 Elite Night Credits a year Terms
- 12 international lounge visits a year outside India Terms
- 2 complimentary golf rounds and 2 golf lessons a quarter Product page
- Up to 5% cashback on SmartBuy Terms
- Air accident cover up to $12,500 Product page
Eligibility
- Age 21 or above Product page
- Salaried: age 60 or below Product page
- Self-employed: age 65 or below Product page
- Indian national Terms
- Salaried: net monthly income above ₹1 lakh Product page
- Self-employed: income tax return above ₹15 lakh a year Product page
Not published by HDFC Bank in the documents read
- the rupee value of a Marriott Bonvoy point
- a fuel surcharge waiver
- a RuPay variant for UPI
The quotes behind the figures
34 figures, each copied from an official HDFC Bank document.
Show every quote and source
“Marriott Bonvoy HDFC Bank Credit Card incurs a joining or renewal membership fee of ₹3,000 plus applicable taxes”
“A foreign currency transaction fee of 3.5 % of transaction value is applicable”
“- Earn 4 Marriott Bonvoy Points per Rs. 150 spent on Travel, Dining & Entertainment*”
“Cardmembers will earn 4 Marriott Bonvoy Points per 150 up to a monthly spend threshold of INR 5 Lakh. For monthly spend above INR 5 lakh, Cardmember will earn 2 Points per 150.”
“- Earn 2 Marriott Bonvoy® Points per Rs. 150 spent on all other applicable purchases*”
“For spends at grocery store: Cardmembers will earn 2 Marriott Bonvoy Points per 150 up to a monthly spend threshold of INR 1.5 Lakh.”
“Marriott Bonvoy Points will not be accrued for transactions or purchases relating to the following non-core product features categories:”
“EMI payments Online gaming Fuel payments Wallet loading transactions / gift or prepaid card loading transactions / voucher purchases Cash advances Payment of outstanding balances Payment of fees and other charges for any card Government-related transactions Rental transactions”
“Joining/ Renewal Membership Fee of ₹3,000 + Applicable Taxes”
“Under Marriot Bonvoy HDFC Bank Credit Card Program, cardmember is not eligible for Fee waiver.”
“Marriott Bonvoy Points and Award Redemptions (as defined in the Marriott Bonvoy Program Rules) may not be exchanged or redeemed by Marriott Bonvoy Members for cash, prizes, or credit.”
“12 Complimentary access within India (both at domestic and international terminals) using the Marriott Bonvoy® HDFC Bank Credit Card each year”
“In each subsequent Anniversary Year, Primary Cardmembers will be credited with one (1) Free Night Award within 6 weeks after Fee Levy.”
“Get access to 2 Complimentary golf lessons per quarter at select Driving ranges in India.”
“12 complimentary visits to domestic lounges within India (both at domestic and international terminals) using the Marriott Bonvoy HDFC Bank Credit Card each year.”
“Primary Cardmembers onboarded on or after 1st October 2026, will be credited with one (1) Free Night Award within 6 weeks after Fee Levy. Free Night Award is valid for 12 months with a redemption value of up to 15,000 Points.”
“Effective from 1st August, 2023, Primary Cardmembers will be credited with 10 Elite Night Credits to their Marriott Bonvoy account within 6 weeks after their Eligible Spends transaction of Rs.500 or the levy of Annual Membership Fee”
“You will be eligible to receive Silver Elite Status upon Card approval and each Anniversary Year as a Cardmember.”
“1 Free Night Award on Eligible Spend of INR 6 lakhs in an Anniversary Year*”
“1 Free Night Award on Eligible Spend of INR 9 lakhs in an Anniversary Year*”
“1 Free Night Award on Eligible Spend of INR 15 lakhs in an Anniversary Year*”
“Earn 8 Marriott Bonvoy Points per Rs. 150 spent at hotels participating in Marriott Bonvoy*”
“12 complimentary visits to international lounges outside India using the Marriott Bonvoy HDFC Bank Credit Card each year.”
“Get 2 Complimentary Golf course access per quarter at select premium golf courses in India and golf courses internationally.”
“Yes, Cardmember can earn up to 5% cashback on Smartbuy on the usage of Marriott Bonvoy HDFC Bank Credit Card.”
“Air accidental cover of up to $12,500”
“Popular Marriott Bonvoy HDFC Bank Credit Card”
“Age : 21 - 60 years”
“Age : 21 - 65 years”
“In order to be eligible for card, Salaried Indian National should meet following criteria:”
“Net Monthly Income > Rs 1,00,000”
“Annual ITR > ₹15 lakh per annum”
“You can choose any of the following easy options to apply for your HDFC Bank Credit Card:”
“As per Network (Diners) guidelines, all Cardmembers should provide a duly filled in Cardholder Dispute Form (CDF)”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with HDFC Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is HDFC Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology