Marriott Bonvoy HDFC Bank Credit Card
Fees
₹3,000 + Taxes
Joining & AnnualReward Rate
8 Bonvoy Points per $1 spent at Marriott; 4 points/₹150 on dining & travel
Welcome Bonus
1 Free Night Award (worth up to 15,000 Bonvoy Points) + Marriott Silver Elite Status
Lounge Access
8 Domestic + 4 International/yr
FindMyCard 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.
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
- 12 airport lounge access visits per year (8 Domestic + 4 International)
- 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 ₹150 on general non-category spending
- ₹3,000 annual fee is non-waivable via spend milestone
Editorial Verdict
The Marriott Bonvoy HDFC Bank Credit Card is ideally suited for marriott hotel guests & travel enthusiasts. If you want 8 bonvoy points per $1 spent at marriott; 4 points/₹150 on dining & travel, this card delivers real value. The ₹3,000 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good to Excellent (750+) credit to be approved.
Key Perks & Spending Milestones
8 Marriott Bonvoy Points per $1 spent on eligible hotel purchases at participating Marriott properties
4 Marriott Bonvoy Points per ₹150 spent on Dining, Travel, and Entertainment
2 Marriott Bonvoy Points per ₹150 spent on all other retail transactions
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
8 complimentary domestic airport lounge visits/year + 4 international lounge visits/year
🚀 Milestone Spends Timeline
1 additional Free Night Award on annual retail spends of ₹6 Lakh
1 additional Free Night Award on annual retail spends of ₹9 Lakh
1 additional Free Night Award on annual retail spends of ₹15 Lakh
Fees & Charging Rates
Annual Fee Waivers
₹3,000 + Taxes
💡 Annual renewal fee includes 1 Free Night Award (up to 15,000 points)
Regular Interest Charges
3.6% per month (43.2% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| up to 500 | Nil |
| 501 to 1000 | ₹500 |
| 1001 to 5000 | ₹600 |
| 5001 to 10000 | ₹750 |
| 10001 to 25000 | ₹900 |
| 25001 to 50000 | ₹1,100 |
| above 50000 | ₹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
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 $1 spent at Marriott; 4 points/₹150 on dining & travel | 8 Domestic + 4 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 |