Marriott Bonvoy HDFC Bank Credit Card

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Annual Fee

₹3,000

Base Reward

2% points

Foreign Markup

3.5%

4.6/5

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

8 Marriott Bonvoy Points

dining

4 Marriott Bonvoy Points

other

2 Marriott Bonvoy Points

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.

Reward Points — Redemption Value

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

fuelwalletgovernment transactionsrentEMIscash advances

Fees & Charges

Annual Fee₹3,000

Joining Fee₹3,000 + GST

Foreign Markup3.5%

Interest Rate3.75% per month (45% annually)

Cash Advance2.5% or ₹500, whichever is higher

Eligibility

Min Age

21 yrs

Salaried

₹1.0L+

Self-Emp

₹15.0L+

Networks

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