HDFC Bank
Marriott Bonvoy HDFC Bank Credit Card
Annual Fee
₹3,540₹3,000 + GSTBase Reward
2% points
Foreign Markup
3.5%
Welcome Benefits
Silver Elite Status in the Marriott Bonvoy Program and One Free Night Award Worth 15,000 Marriott Bonvoy Points
Product Highlights
- 1 Free Night Award as a welcome benefit, valid for 1 year at participating Marriott hotels.
- Complimentary Marriott Bonvoy Silver Elite status.
- Up to 3 bonus free night awards on reaching the target spend milestone.
Category Rewards
travel
4 MBP per ₹150 on travel + dining + entertainment
2.666666666666667X
dining
4 MBP per ₹150 on travel + dining + entertainment
2.666666666666667X
entertainment
4 MBP per ₹150 on travel + dining + entertainment
2.666666666666667X
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Marriott properties direct
8 MBP per ₹150 on direct Marriott property spends
Reward Calculator
Costs you ₹2,420/year
Break-even needs ~₹50,572/month at your reward mix.
₹16K
across all your buckets
4.5K
Marriott Bonvoy Points
₹1.1K
via statement credit · ₹0.25/pt
Effective rate
0.58%
Annual fee
₹3,540
Year 1 net
₹-2,420
Year 2+ net
₹-2,420
ongoing
Adjust your spend by reward bucket
3 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per year · You spend ≈ ₹6L
1 additional Free Night Award (FNA up to 15,000 MBP)
1 additional Free Night Award
1 additional Free Night Award
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
emi, fuel, wallet, cash advance, outstanding balance, government, rent
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
8 Marriott Bonvoy Points/₹150 for spends at Marriott Hotels, 4 Marriott Bonvoy Points/₹150 for Travel, Dining, and Entertainment, and 2 Marriott Bonvoy Points/₹150 for Other Spends.
- Marriott Bonvoy points are credited to your membership account and you can redeem them for discounted hotel stays, dining offers, etc. at participating Marriott Hotels.
Benefits & Features
Domestic: 12 Complimentary Lounge Access at Both Domestic and International Terminals International: 12 Free International Lounge Visits Complimentary lounge access for both primary and supplementary cardholders with 12 visits to domestic lounges and 12 visits to international lounges per year.
Pros & Cons
Pros
- Offers significantly more value than it costs with reasonable joining and annual charges.
- Numerous lifestyle and hotel benefits including complimentary airport lounge access and Free Night Awards.
Cons
- Redeeming Marriott Bonvoy Points can vary in value, with no clear redemption value for points.
- Silver Elite status may not be sufficient for a premium co-branded card.
Additional Info
Marriott Bonvoy points do not expire as long as you engage in either point earning or point redemption activity at least once every 24 months.
The Free Night Award is only valid for the primary cardholder and must be booked via the Marriott website or mobile app.
Cardholders earn 10 Elite Night credits each year, which can help in upgrading to higher tiers in the Marriott Bonvoy program.
Excluded Categories
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Salaried
₹1.0L+
Self-Emp
₹15.0L+
Networks