Marriott Bonvoy HDFC Bank Credit Card by HDFC Bank — Credit Card Image
HDFC Bank Review Verified: 2026-08-24 🔥 Featured Card

Marriott Bonvoy HDFC Bank Credit Card

4.6 / 5.0 Rating
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#travel #co-branded

Fees

₹3,000 + Taxes

Joining & annual

Reward Rate

8 Bonvoy Points per ₹150 at Marriott hotels; 4 per ₹150 at restaurants inside Marriott hotels; 2 per ₹150 elsewhere

Welcome Bonus

1 Free Night Award (worth up to 15,000 Bonvoy Points) + Marriott Silver Elite Status

Lounge

12 Domestic + 12 International/yr

Overview Perks & Milestones Fees & Interest Insurance Eligibility FAQs Compare

Our Expert Take

This card's math works out well for anyone who stays at Marriott properties even occasionally: the annual Free Night Award alone is worth more than the ₹3,000 fee, and automatic Silver Elite status plus 10 Elite Night Credits give a head start toward higher tiers. Additional free nights unlock at ₹6, ₹9 and ₹15 lakh in annual spend.

Reward limits

Checked 11 Oct 2026 · Bank terms

  • 8 points per ₹150 at Marriott hotels

    Max ₹10,00,000 of spend per month

  • 4 points per ₹150 at Marriott restaurants and outlets

    Max ₹5,00,000 of spend per month

  • 2 points per ₹150 on other spends

    Max ₹1,50,000 of spend per month

Pros & Cons

Key Advantages

  • 1 Complimentary Free Night Award annually (valid up to 15,000 Bonvoy points)
  • Automatic Marriott Bonvoy Silver Elite Status + 10 Elite Night Credits per year
  • 8 Bonvoy Points per $1 spent at participating Marriott Bonvoy properties worldwide
  • 24 airport lounge access visits per year (12 Domestic + 12 International), no spend condition
  • Annual fee of ₹3,000 effectively offset by Free Night Award

Limitations

  • Free Night Award capped at 15,000 points (requires top-up points for luxury properties)
  • 2 Bonvoy Points per ₹200 on general non-category spending
  • ₹3,000 annual fee is non-waivable via spend milestone

Key Perks & Spending Milestones

8 Marriott Bonvoy Points per $1 spent on eligible hotel purchases at participating Marriott properties

4 Marriott Bonvoy Points per ₹200 spent on Dining, Travel, and Entertainment (revised from ₹150)

2 Marriott Bonvoy Points per ₹200 spent on all other retail transactions (revised from ₹150)

1 Free Night Award per year (redemption value up to 15,000 points)

Automatic Marriott Bonvoy Silver Elite Status (10% bonus points on stays, priority late checkout)

10 Elite Night Credits added automatically to Marriott Bonvoy account every year

12 complimentary domestic airport lounge visits/year + 12 international lounge visits/year, no spend condition

Spend milestone

1 additional Free Night Award on annual retail spends of ₹6 Lakh

Spend milestone

1 additional Free Night Award on annual retail spends of ₹9 Lakh

Spend milestone

1 additional Free Night Award on annual retail spends of ₹15 Lakh

Fees & Charges

Joining fee

₹3,000 + Taxes

Annual fee

₹3,000 + Taxes

Annual renewal fee includes 1 Free Night Award (up to 15,000 points)

Interest rate

3.6% per month (43.2% per annum)

Late payment fee

Up to ₹500
Nil
₹501 to ₹1,000
₹500
₹1,001 to ₹5,000
₹600
₹5,001 to ₹10,000
₹750
₹10,001 to ₹25,000
₹900
₹25,001 to ₹50,000
₹1,100
Above ₹50,000
₹1,300

Insurance & Protection Benefits

air accident cover

Up to ₹1 Crore

lost card liability

Up to ₹9 Lakh

purchase protection

Nil

emergency medical cover

Up to ₹15 Lakh

Eligibility Criteria

salaried minimum income

₹1 Lakh per month

self employed ITR

₹15 Lakh per annum

age

21 to 60 years

Credit score & income

Good to Excellent (750+)

Frequently Asked Questions

How many lounge visits does Marriott Bonvoy HDFC actually offer?
12 domestic and 12 international airport lounge visits per year (24 total), with no spend-based condition — confirmed via HDFC's official lounge terms and conditions.
Did the Marriott Bonvoy HDFC reward rate change in 2026?
The dollar-based Marriott earn rate (8 Bonvoy points per $1 at participating properties) is unchanged. The rupee-based dining, travel and general retail rates moved from a ₹150 to a ₹200 basis alongside HDFC's broader 2026 rate revisions.
What's the Free Night Award worth on this card?
1 Free Night Award per year, redeemable at Marriott properties up to a 15,000-point category; higher-category hotels require topping up with additional points.
Does this card include Marriott Elite status?
Yes, automatic Marriott Bonvoy Silver Elite status plus 10 Elite Night Credits are added to your account every year the card stays active.

Compare Marriott Bonvoy HDFC Bank Credit Card With Similar Cards

Card Annual Fee Reward Rate Lounge Access Rating
Marriott Bonvoy HDFC Bank Credit Card This Card ₹3,000 + Taxes 8 Bonvoy Points per ₹150 at Marriott hotels; 4 per ₹150 at... 12 Domestic + 12 International/yr 4.6/5
HDFC Infinia Credit Card Metal Edition ₹12,500 + Taxes 5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings Unlimited Domestic + International 4.9/5
Axis Bank ATLAS Credit Card ₹5,000 + Taxes 5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends 8 Domestic + 4 International/yr 4.8/5
Axis Bank Burgundy Private Credit Card ₹50,000 + Taxes 15 EDGE Reward points per ₹200 spent on retail and international... Unlimited Domestic + International 4.8/5

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