HDFC Bank
Marriott Bonvoy
The Marriott Bonvoy HDFC Bank Credit Card holds the distinction of being India's first hotel co-branded credit card, making it a natural choice for frequent Marriott guests. Every rupee spent earns Marriott Bonvoy Points, redeemable for stays at iconic properties across the world — including St.
Direct link to the issuer's website. Terms apply — verify current offer with the bank.
Data last updated 6 June 2026.
At a Glance
Annual Fee
₹3,000
Joining Fee
₹3,000
Fee Waiver
N/A
Lounge Access
12 complimentary domestic + international lounge visits
Forex Markup
3.5%
Effective Yield
0.67% – 6.3%
Our Take
CreditGully Rating
Based on CreditGully editors' analysis. Not influenced by card issuers.
The Marriott Bonvoy HDFC Bank Credit Card holds the distinction of being India's first hotel co-branded credit card, making it a natural choice for frequent Marriott guests. Every rupee spent earns Marriott Bonvoy Points, redeemable for stays at iconic properties across the world — including St. Regis, JW Marriott, Le Méridien, and Sheraton. Beyond points, cardholders enjoy complimentary Marriott Bonvoy Silver Elite Status, domestic and international airport lounge access, and Free Night Awards as milestone benefits — making it a well-rounded card for the frequent traveller. The card runs on the Diners Club network.
What We Like
The Marriott Bonvoy HDFC Credit Card is a strong pick for travellers who regularly stay at Marriott properties. It rewards cardholders with Marriott Bonvoy Points and milestone-linked Free Night Awards at participating hotels, while welcome and renewal benefits are designed to deepen the Marriott experience from day one.
Frequent travellers can extract solid value from the Free Night Award — redeemable at properties where room rates can comfortably exceed ₹7,000–₹10,000 per night, such as Fairfield, Four Points, or Courtyard by Marriott locations. And with Marriott now allowing top-ups of up to 25,000 additional points on the certificate, the award stretches even further. Add to this 12 domestic and international lounge visits annually and comprehensive travel insurance, and the card holds its own among mid-range travel cards.
That said, being a hotel co-branded card, its benefits are firmly tied to the Marriott ecosystem. Those looking for flexibility across multiple hotel chains or travel platforms may be better served by broader premium travel cards like Axis Reserve or American Express Platinum, or by travel portal cards from MakeMyTrip, EaseMyTrip, or Ixigo, which offer strong value on hotel bookings without a high fee commitment.
Pros
- ✓Accelerated rewards and exclusive perks on Marriott hotel bookings
- ✓Complimentary access to both domestic and international airport lounges
- ✓Automatic Marriott Bonvoy Silver Elite Status on card activation
- ✓Free Night Awards as welcome, renewal, and milestone benefits
Cons
- ✗Limited appeal outside the Marriott ecosystem — not a general travel card
- ✗Base reward rate on everyday spends is low
- ✗No Priority Pass membership
- ✗Milestone and welcome benefits are tied exclusively to Marriott hotel bookings
Get This Card If
- ✓You frequently stay at Marriott properties or other hotels participating in the Marriott Bonvoy programme
- ✓You want premium hotel benefits — points, Free Night Awards, and Elite Status — without paying a steep annual fee (₹3,000 + GST)
- ✓You want complimentary lounge access at airports both within India and internationally
- ✓You already hold another travel card that covers forex, multi-hotel benefits, or broader travel perks — and want this as a dedicated Marriott companion card
Earning & Redemption
How You Earn
| Category | Reward rate | Yield % | Cap |
|---|---|---|---|
| Marriott Participating Hotels | 8 Reward Points (RP) per ₹150 | 2.66% | ₹10 Lakh monthly spend threshold; For monthly spend above INR 10lakh, Cardmember will earn 2 Points per ₹150 |
| Travel, Dining & Entertainment | 4 RP per ₹150 | 1.33% | ₹5 Lakh monthly spend threshold. For monthly spend above INR 5 lakh, Cardmember will earn 2 Points per ₹150. |
| Grocery Spends | 2 RP per ₹150 | 0.66% | ₹1.5 Lakh monthly spend threshold |
| All Other Retail Spends | 2 RP per ₹150 | 0.66% | No Upper Cap |
| Excluded Categories | No Points Earned | 0.0% | — |
Milestone Rewards
| Spend | Benefit | Value | Summary |
|---|---|---|---|
| ₹0.0 Lakh | Welcome Benefit | 1 Free Night Award (15k pts) | Awarded on payment of joining fee. Valid for stays up to 15,000 points. |
| ₹6 Lakh | Milestone Free Night Award | 1 Free Night Award (15k pts) | Awarded upon hitting ₹6 Lakhs annual spend. |
| ₹9 Lakh | Milestone Free Night Award | 1 Free Night Award (15k pts) | Awarded upon hitting ₹9 Lakhs annual spend (Cumulative: 2 FNAs). |
| ₹15 Lakh | Milestone Free Night Award | 1 Free Night Award (15k pts) | Awarded upon hitting ₹15 Lakhs annual spend (Cumulative: 3 FNAs). |
Redemption Value
| Channel | Value per point | Verdict |
|---|---|---|
| Marriott Bonvoy Stays | ₹0.50 - ₹0.70 per pointVariable | Best Value (Book stays during off-peak for highest ROI) |
| Airline Miles Transfer | Varies3:1 Ratio | Moderate (Get 5,000 bonus miles for every 60,000 points transferred) |
What You Need to Know
The 15k Point Ceiling
The Free Night Awards are capped at 15,000 points per night.
Impact: Unlike the US cards (35k/50k), this limits you to Category 1-3 hotels or off-peak stays.
New 2026 Utility Fee
1% fee on total utility payments exceeding ₹50,000 per month.
Impact: Since base reward yield is 0.66%, large utility bills result in a net loss.
Wallet & Rent Surcharge
1% fee on wallet reloads >₹10k and all rent payments.
Impact: Increases cost for meeting milestones via non-retail transactions.
Points Transfer Minimum
Points are transferred to your Bonvoy account only after statement generation.
Impact: Requires planning; you cannot earn points and book the same day.
Essential Fine Print
Reward Exclusions
Excluded Categories (No Points): Fuel, Wallet loads, Easy EMI transactions, Rent payments, Government transactions, Online gaming and Payment of outstanding balances and fees and other charges for any card.
Welcome Offer
Marriott Bonvoy Welcome Package
- 1 Free Night Award (valued at 15,000 Marriott Bonvoy Points) - 10 Elite Night Credits* - Silver Elite Status (Applicable on a single minimum transaction of Rs. 500 within 90 days of card open date or on card fee levy)
Lounge Access
Domestic Lounge Access
12 complimentary visits to domestic lounges within India (both at domestic and international terminals) using the Marriott Bonvoy HDFC Bank Credit Card each year.
International Lounge Access
12 complimentary visits to international lounges outside India using the Marriott Bonvoy HDFC Bank Credit Card each year.
Travel Benefits
Earn 8 Marriott Bonvoy Points per Rs. 150 spent at hotels participating in Marriott Bonvoy
Earn 4 Marriott Bonvoy Points per Rs. 150 spent on Travel, Dining & Entertainment
Golf Benefits
Golf Lessons
Get access to 2 Complimentary golf lessons per quarter at select Driving ranges in India. Each Golf lesson will span a minimum of 30 minutes and will be inclusive of:
Golf Course Access
Get 2 Complimentary Golf course access per quarter at select premium golf courses in India and golf courses internationally.
Milestone Benefits
Spend Milestone Free Night Awards
Earn 1 additional Free Night Award on spends of ₹6 Lakhs, ₹9 Lakhs, and ₹15 Lakhs each in card anniversary year.
Additional Features
Zero Lost Card Liability
Report card loss immediately to ensure zero liability on any subsequent fraudulent transactions.
Fees & Charges
| Fee Type | Amount / Details |
|---|---|
| Joining Fee | ₹3,000 |
| Annual / Renewal Fee | ₹3,000 |
| Fee Waiver Threshold | N/A |
| Forex Markup | 3.5% |
| Fuel Surcharge Waiver | 1% surcharge |
Eligibility Criteria
Salaried
Age: Min 21 years & Max 60 years. Net Monthly Income > ₹1,00,000.
Self Employed
Age: Min 21 years & Max 65 years. ITR > ₹15 Lakhs per annum.
Ready to apply for Marriott Bonvoy?
Annual fee: ₹3,000
Frequently Asked Questions
Annual fee
₹3,000
0.67% – 6.3% yield