HDFC
HDFC Marriott Bonvoy Credit Card
This is an invite only card
Apply and get ₹1100 Rewards
Top Benefits
Earn 8 Marriott Bonvoy Points per ₹150 at Marriott Hotels
on every eligible spend made directly at hotels Capped at ₹10 lakh monthly spend max 53,335 Points/month
Complimentary Marriott Bonvoy Silver Elite Status
with exclusive privileges like priority late checkout and bonus points on Marriott stays
Best For
Shopping
Airport Lounge
Dining
Travel
The HDFC Marriott Bonvoy Credit Card is a premium hotel co-branded credit card built around the Marri...
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The HDFC Marriott Bonvoy Credit Card is a premium hotel co-branded credit card built around the Marri...
The HDFC Marriott Bonvoy Credit Card is a premium hotel co-branded credit card built around the Marriott Bonvoy loyalty programme. Issued by HDFC Bank on the Visa network, it carries a ₹3,000 joining fee and a ₹3,000 annual fee, both non-waivable. The card is designed for travellers who stay at Marriott properties regularly and want to accelerate their Marriott Bonvoy points accumulation.
The flagship welcome benefit is exceptional: 1 Free Night Award (up to 15,000 Marriott Bonvoy points value), plus 10 Elite Night Credits and complimentary Marriott Bonvoy Silver Elite Status on activation, achieved by spending ₹500 within the first 90 days. The Silver Elite status alone unlocks priority late checkout, member rates, and bonus points on stays.
The card delivers tiered earning rates: 8 Marriott Bonvoy points per ₹150 spent at participating Marriott hotels, 4 Marriott Bonvoy points per ₹150 on travel, dining, and entertainment, and 2 Marriott Bonvoy points per ₹150 on all other spends. This is among the highest hotel-co-branded earn rates in the Indian market.
Eligibility requires applicants to be between 21 and 60 years of age, with a minimum annual income of ₹12 LPA for both salaried and self-employed (₹1,00,000 monthly). CIBIL score requirement is 750 or above. This places the card in the upper-mid-premium segment.
Travel benefits are robust: 12 complimentary domestic + 12 complimentary international airport lounge visits per year, plus complimentary Marriott Bonvoy Silver Elite status (which includes priority late checkout and member-only discounts at Marriott properties globally).
Milestone benefits accelerate Marriott Bonvoy earnings: 1 Free Night Award (up to 15,000 points value) on ₹6 lakh annual spend, another Free Night Award on ₹9 lakh, and a third on ₹15 lakh. So heavy spenders can earn 3 Free Night Awards annually plus the welcome Free Night, totalling 4 free nights at participating Marriott properties.
The card is a Visa Infinite product with concierge service, purchase protection, travel insurance, and lost card liability protection. The forex markup is 3.5%, which is industry-standard but uncompetitive compared to forex-focused premium cards.
View FAQ
Commonly Asked Questions
Q. What is the joining fee?
A. The joining fee is ₹3,000 plus applicable GST, both joining and annual fees are non-waivable.
Q. Can the annual fee be waived?
A. No, the ₹3,000 annual fee is non-waivable. The card targets users who can extract value through Marriott stays and milestone Free Night Awards.
Q. What is the welcome benefit?
A. 1 Free Night Award (up to 15,000 Marriott Bonvoy points value), 10 Elite Night Credits, and complimentary Marriott Bonvoy Silver Elite Status on spending ₹500 within 90 days.
Expert Review
The HDFC Marriott Bonvoy Credit Card is the strongest hotel co-branded card in the Indian market for Marriott loyalists. The welcome 1 Free Night + Silver Elite combo, milestone Free Night Awards, and accelerated earning at Marriott properties create exceptional value for users who stay at Marriott regularly.
For a user staying at Marriott properties 5 times annually (₹50,000 spend) and spending ₹6L total annually, the card delivers approximately: welcome Free Night (₹10,000), Silver Elite benefits (₹5,000), 2,667 Bonvoy points from Marriott spends (₹2,667), ₹3,33,333 in other spends earning 4,444 points (₹4,444), milestone Free Night at ₹6L (₹10,000), totalling approximately ₹32,000+ in annual value. Against the ₹3,540 annual fee, this is 9x return.
The 12 + 12 lounge access is generous and useful for travellers. The Marriott Bonvoy Silver Elite status provides recurring property-level benefits (late checkout, member rates, bonus points) that compound value over time.
The card has limitations. The non-waivable annual fee adds risk. The 3.5% forex markup is uncompetitive for international spenders. Non-Marriott loyalists will not extract proportional value.
Our recommendation: get this card if you stay at Marriott properties 3+ times annually. Pair it with a forex-focused card (Axis Samsung Infinite at 1.99% or HDFC Infinia for unlimited lounges) for international spending. For pure points maximisation, the HDFC Infinia or HDFC Diners ClubMiles deliver broader value.
Joining / Annual Fee
Joining Fees
₹3,540 ( ₹3000 + GST )
Annual Fees
₹3,540 ( ₹3000 + GST )
Joining fee is ₹3,000 plus GST, partially offset by welcome Free Night Award (worth up to ₹15,000 in ...
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Joining fee is ₹3,000 plus GST, partially offset by welcome Free Night Award (worth up to ₹15,000 in ...
Joining fee is ₹3,000 plus GST, partially offset by welcome Free Night Award (worth up to ₹15,000 in retail terms). Annual fee is ₹3,000 plus GST from year two, non-waivable.
This is unusual for a premium card: most cards offer waiver thresholds. The Marriott Bonvoy targets users who can extract significant value through Marriott stays and milestone rewards, making the non-waivable fee economically viable.
GST at 18% applies, so the total first-year cost is ₹3,540. The annual fee from year two is also ₹3,540.
For users staying at Marriott properties 3-5 times annually, the card delivers ₹30,000+ in annual Marriott Bonvoy value. Against a ₹3,540 fee, this is excellent economics.
View FAQ
Commonly Asked Questions
Q. What is the joining fee?
A. ₹3,000 plus 18% GST, totalling ₹3,540.
Q. Can the annual fee be waived?
A. No, the annual fee is non-waivable.
Q. Is the joining fee offset?
A. Yes, the welcome Free Night Award (up to 15,000 Marriott Bonvoy points value, worth ₹10,000+ in retail terms) more than offsets the joining fee.
Q. Is GST applicable?
A. Yes, 18% GST applies.
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
12LPA
Credit
Rating*
750+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
Applicants must be between 21 and 60 years of age. The minimum annual income is ₹12 LPA for both sala...
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Applicants must be between 21 and 60 years of age. The minimum annual income is ₹12 LPA for both sala...
Applicants must be between 21 and 60 years of age. The minimum annual income is ₹12 LPA for both salaried and self-employed (₹1,00,000 monthly).
A CIBIL score of 750 or above is required. HDFC Bank also considers credit behaviour, payment history on existing loans, and credit utilisation.
You must be a resident Indian citizen with valid PAN, Aadhaar, and address proof.
View FAQ
Commonly Asked Questions
Q. What is the minimum income?
A. ₹12 LPA for both salaried and self-employed.
Q. What CIBIL score is needed?
A. 750 or above.
Q. Are NRIs eligible?
A. No, only resident Indian citizens.
Q. Is HDFC banking relationship required?
A. No, HDFC banking relationship is not mandatory.
All Card Benefits
- Earn 4 Marriott Bonvoy Points per ₹150 on Travel, Dining and Entertainment; capped at ₹5 lakh monthly spend max 13,335 Points/month
- Get up to 3 additional Free Night Awards (up to 15,000 Points each) on Anniversary Year spends of ₹6 lakh, ₹9 lakh and ₹15 lakh
- Enjoy 12 complimentary domestic and 12 international airport lounge visits per year across India and abroad
- Get complimentary Marriott Bonvoy Silver Elite Status, plus Green Fee waiver and complimentary golf lessons twice per quarter
- Earn 8 Marriott Bonvoy Points per ₹150 spent at Marriott Bonvoy hotels and Marriott-branded stores; capped at ₹10 lakh monthly spend max 53,335 Points/month
The HDFC Marriott Bonvoy stacks benefits across hotel earning, milestone rewards, lounge access, and ...
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The HDFC Marriott Bonvoy stacks benefits across hotel earning, milestone rewards, lounge access, and ...
The HDFC Marriott Bonvoy stacks benefits across hotel earning, milestone rewards, lounge access, and Marriott loyalty status.
Welcome benefits are unusually rich: 1 Free Night Award (up to 15,000 Marriott Bonvoy points value), 10 Elite Night Credits, and complimentary Marriott Bonvoy Silver Elite Status. All unlocked by spending just ₹500 within 90 days of card setup. The Silver Elite status alone is worth ₹3,000+ in member benefits annually.
The earning structure rewards Marriott loyalty: 8 Marriott Bonvoy points per ₹150 spent at participating Marriott hotels (about 5.3% return at ₹1 per point Marriott point valuation), 4 Marriott Bonvoy points per ₹150 on travel, dining, and entertainment (about 2.67% return), and 2 Marriott Bonvoy points per ₹150 on all other spends (about 1.33% return).
Marriott Bonvoy points are particularly valuable. Marriott's loyalty programme allows redemption for free nights at participating properties, with typical free night values ranging from 5,000 points (budget properties) to 60,000+ points (luxury properties). For heavy Marriott travellers, this card delivers exceptional value.
Milestone benefits accelerate earnings: 1 Free Night Award (up to 15,000 points value) on ₹6 lakh annual spend, another Free Night Award on ₹9 lakh, and a third on ₹15 lakh. A user spending ₹15 lakh annually earns 3 milestone Free Nights plus the welcome Free Night, totalling 4 free nights worth approximately ₹60,000 in retail value.
Travel benefits include 12 complimentary domestic and 12 complimentary international airport lounge visits per year, accessible via Priority Pass or directly at partner lounges. Complimentary Marriott Bonvoy Silver Elite status provides priority late checkout (subject to availability), member-only rates, and bonus points on Marriott stays.
Other Visa Infinite benefits include 24x7 concierge service, purchase protection, travel insurance (including emergency medical, baggage loss, flight delay covers), and lost card liability protection. The forex markup is 3.5% (per source) on international transactions.
View FAQ
Commonly Asked Questions
Q. What are the Marriott Bonvoy earn rates?
A. 8 points per ₹150 at Marriott hotels, 4 points per ₹150 on travel/dining/entertainment, 2 points per ₹150 on all other spends.
Q. What are the milestone rewards?
A. 1 Free Night Award (up to 15,000 points value) on ₹6L annual spend, another on ₹9L, and a third on ₹15L. Maximum 3 milestone Free Nights per year.
Q. What is Marriott Bonvoy Silver Elite status?
A. Marriott's mid-tier loyalty status offering priority late checkout (subject to availability), member-only rates, and 10% bonus points on Marriott stays.
Q. How many lounge visits are included?
A. 12 complimentary domestic and 12 complimentary international lounge visits per year.
Q. What is the forex markup?
A. 3.5% on international transactions, industry-standard for hotel co-branded cards.
Q. Does this card include concierge?
A. Yes, 24x7 Visa Infinite concierge service is included.
Q. Are travel insurance benefits included?
A. Yes, including emergency medical cover, baggage loss, and flight delay cover.
Milestone Benefits
Voucher Benefit(Worth ~ ₹15,000)
Spend ₹6,00,000 in 365 days
Voucher Benefit(Worth ~ ₹15,000)
Spend ₹9,00,000 in 365 days
Voucher Benefit(Worth ~ ₹15,000)
Spend ₹15,00,000 in 365 days
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹0.25
Redemption Options
You can redeem your points here:
To check redemption catalogue
Marriott Bonvoy points earned on this card credit directly to your Marriott Bonvoy account, typically...
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Marriott Bonvoy points earned on this card credit directly to your Marriott Bonvoy account, typically...
Marriott Bonvoy points earned on this card credit directly to your Marriott Bonvoy account, typically within 30-45 days of statement generation. Redemption is managed entirely through Marriott Bonvoy's loyalty programme, not HDFC's reward portal.
Marriott Bonvoy points redeem for free nights at participating Marriott properties globally, with redemption rates varying by property and season. Typical redemption value is approximately ₹0.50 to ₹1.00 per point for free nights at participating Marriott properties.
You can also redeem Marriott Bonvoy points for travel experiences, airline miles transfers (typical conversion rate 3 Bonvoy points : 1 airline mile), gift cards, and Marriott property dining.
Free Night Awards earned via welcome and milestone benefits are deposited directly to your Marriott Bonvoy account, with stay-by-date typically 12 months from issuance.
View FAQ
Commonly Asked Questions
Q. How are Marriott Bonvoy points credited?
A. Points credit directly to your Marriott Bonvoy account, typically within 30-45 days of statement generation.
Q. What is the redemption value of Marriott Bonvoy points?
A. Approximately ₹0.50 to ₹1.00 per point for free nights at participating Marriott properties.
Q. Do Free Night Awards expire?
A. Yes, typically 12 months from issuance. Check your Marriott Bonvoy account for specific expiry dates.
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an HDFC Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an HDFC Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
All Reversals
Cancelled Transactions
Cash Advances
ATM Cash Withdrawals
Quasi-Cash Transactions
Money Transfers
P2P Transfers
Wallet Loads
Outstanding Payments
EMI Spends
Gift Cards and Vouchers
Voucher Purchases
Gambling Transactions
Cryptocurrency/Digital Asset Transactions
Government-related Transactions
For Spends Waiver
All Reversals
Cancelled Transactions
ATM Withdrawals
Quasi-Cash Transactions
Money Transfers
P2P Transfers
Wallet Loads
EMI Spends
Bank Charges & Fees
Late Payment Fees
Financial Charges
Interest Charges
Transaction Charges
Gift Cards and Vouchers
Gambling Transactions
Cryptocurrency/Digital Asset Transactions
Security Broker Services
Government-related Transactions
Insurance Payments
Utility Bill Payments
Rent Payment
Fuel Spends
Jewellery Purchases
Outstanding Payments
Excluded categories from earning Marriott Bonvoy points typically include rent payment, government-re...
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Excluded categories from earning Marriott Bonvoy points typically include rent payment, government-re...
Excluded categories from earning Marriott Bonvoy points typically include rent payment, government-related transactions, cash advances, EMI transactions, wallet loads, fuel spends, education spends, and insurance payments. These also do not count toward the ₹6L/9L/15L milestone thresholds.
Refer to the latest MITC for the full exclusion list.
View FAQ
Commonly Asked Questions
Q. Are rent payments excluded?
A. Yes, rent payments are excluded from Marriott Bonvoy point earning.
Q. Do fuel transactions earn points?
A. No, fuel spends are excluded from rewards.
Q. Are utility payments rewarded?
A. Utility payments are typically excluded; refer to the latest MITC.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50% |
APR Fees Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid. | 3.75% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card. | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals. | 1.80% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
cheque Payment Fees A fee of ₹100 is charged for payments made through cheque | ₹100 |
Cash Payment Fees ₹100 cash payment fee per deposit. | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹1000 | ₹500 |
| ₹1001 - ₹5000 | ₹600 |
| ₹5001 - ₹10,000 | ₹750 |
| ₹10,001 - ₹25,000 | ₹900 |
| ₹25,001 - ₹50,000 | ₹1100 |
| ₹50,000 and above | ₹1300 |
Joining fee ₹3,000 plus GST. Annual fee ₹3,000 plus GST from year two, non-waivable.
Forex markup ...
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Joining fee ₹3,000 plus GST. Annual fee ₹3,000 plus GST from year two, non-waivable. Forex markup ...
Joining fee ₹3,000 plus GST. Annual fee ₹3,000 plus GST from year two, non-waivable.
Forex markup is 3.5% on all international transactions.
APR on revolving balances is 3.75% per month, or 45% per annum.
Cash advance fee is 2.5% of withdrawn amount, minimum ₹500.
Reward redemption fee is not applicable (points credit directly to Marriott Bonvoy account).
Railway surcharge is 1% of transaction amount. Rent payment processing charge is 1% of transaction.
Cheque payment charge is ₹100 per cheque. Cash payment at branch is ₹100 per transaction.
Late payment charges are slab-based: ₹0 below ₹100, ₹100 for ₹101 to ₹500, ₹500 for ₹501 to ₹5,000, ₹600 for ₹5,001 to ₹10,000, ₹800 for ₹10,001 to ₹25,000, ₹1,100 for ₹25,001 to ₹50,000, and ₹1,300 above ₹50,000.
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹3,000 + GST |
| Annual Fee | ₹3,000 + GST (non-waivable) |
| Forex Markup | 3.5% |
| APR | 3.75% per month (45% p.a.) |
| Cash Advance Fee | 2.5% (min ₹500) |
| Reward Redemption Fee | Not Applicable |
| Railway Surcharge | 1% of transaction |
| Rent Payment Charge | 1% of transaction |
| Cheque Payment Charge | ₹100 per cheque |
| Cash Payment at Branch | ₹100 per transaction |
| Late Payment Charges | ₹0 / ₹100 / ₹500 / ₹600 / ₹800 / ₹1,100 / ₹1,300 (slab-based) |
View FAQ
Commonly Asked Questions
Q. What is the interest rate?
A. 3.75% per month or 45% per annum.
Q. What is the forex markup?
A. 3.5% on international transactions.
Q. What are late payment charges?
A. Slab-based from ₹0 to ₹1,300.
Q. Is there a redemption fee?
A. No, Marriott Bonvoy points credit directly to your loyalty account.
Q. What is the cash advance fee?
A. 2.5% of withdrawn amount, minimum ₹500.
Q. What is the rent payment charge?
A. 1% of transaction. Rent is also excluded from rewards.
Documents Required
Identity proof: PAN plus Aadhaar, Voter ID, passport, or driving licence. Address proof: Aadhaar, utility bills, rental agreement, passport, or driving licence.
Income proof for salaried: last 3 months' salary slips and 6 months' bank statement. Self-employed: last 2 years' ITR, business bank statement, and proof of business existence.
View FAQ
Commonly Asked Questions
Q. Is PAN mandatory?
A. Yes.
Q. What income proof is needed for salaried?
A. Last 3 months' salary slips and 6 months' bank statement.
Q. What income proof is needed for self-employed?
A. Last 2 years' ITR, business bank statement, and proof of business existence.
Who Should Get This Card?
The HDFC Marriott Bonvoy is built for users who stay at Marriott properties 3+ times annually and want to accelerate their Marriott Bonvoy points and elite status. A typical user is an upper-middle-income professional or business traveller earning ₹15-30 LPA who values hotel loyalty.
For Marriott loyalists, the card delivers exceptional value. The welcome 1 Free Night + Silver Elite combo alone is worth ₹15,000+. Add milestone Free Nights (up to 3 per year at ₹15L spend), 12 + 12 lounges, and the strong earn rate at Marriott properties, total annual value reaches ₹50,000+ for heavy users.
The card also pairs well with status matches and Marriott credit card status boosters, allowing users to fast-track to higher elite tiers (Gold or Platinum) through combined spend and stays.
This card is not the right pick if you don't stay at Marriott properties or prefer other hotel chains (consider the ITC Hotels Diners or AccorPlus options). The non-waivable annual fee adds pressure to extract Marriott-specific value every year. For pure points maximisation without hotel loyalty, the HDFC Diners ClubMiles offers more flexibility.
Credit Limit and What to Expect
The credit limit depends on income, CIBIL score, and existing obligations. For ₹12 to ₹25 LPA income profiles, typical starting limits range from ₹2,00,000 to ₹5,00,000. Higher income brackets reach ₹10,00,000 or more.
HDFC offers enhancements after 6 to 12 months of regular usage. Cash advance limit is usually 20% to 40% of total limit.
View FAQ
Commonly Asked Questions
Q. What credit limit can I expect?
A. ₹2,00,000 to ₹5,00,000 for ₹12 to ₹25 LPA income.
Q. When can I request an increase?
A. After 6 to 12 months of regular usage.
Q. What is the cash advance limit?
A. 20% to 40% of total credit limit.
How to Apply?
Apply through the HDFC Bank website, Marriott's credit card partner section, partner platforms like BankKaro, or by visiting any HDFC branch.
Online application via hdfcbank.com is the most common route. Fill in PAN, Aadhaar, employment type, and monthly income. Upload digital copies of identity, address, and income proof.
HDFC runs bureau and internal verification. Initial decision in 1 to 5 working days. Physical card dispatched within 7 to 14 working days.
View FAQ
Commonly Asked Questions
Q. Can I apply online?
A. Yes, through HDFC Bank, Marriott's partner section, partner platforms, or any HDFC branch.
Q. How long does it take?
A. Initial approval in 1 to 5 working days; card dispatched within 7 to 14 working days.
Q. Is video KYC required?
A. Yes, for online applications.
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹1100 Rewards
Top Benefits
Earn 8 Marriott Bonvoy Points per ₹150 at Marriott Hotels
on every eligible spend made directly at hotels Capped at ₹10 lakh monthly spend max 53,335 Points/month
Complimentary Marriott Bonvoy Silver Elite Status
with exclusive privileges like priority late checkout and bonus points on Marriott stays
The smartest way to find your great credit card
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