HDFC Bank · Mid-tier travel card
Marriott Bonvoy HDFC Bank Credit Card
India's first hotel co-branded card. The maths is simple: one Free Night Award worth up to 15,000 Bonvoy points every year (welcome and renewal) against a ₹3,000 fee — if you stay at Marriott properties even twice a year, the card usually pays for itself.
Fees & welcome
Joining fee
₹3,000 + GST.
Verified · HDFC Bank - Marriott Bonvoy Fees and Charges · 2026-06-19 · source
Annual / renewal fee
₹3,000 + GST.
Verified · HDFC Bank - Marriott Bonvoy Fees and Charges · 2026-06-19 · source
Fee waiver
Not available - the annual fee on this card cannot be waived.
Verified · HDFC Bank - Marriott Bonvoy Fees and Charges · 2026-06-19 · source
Welcome benefit
1 Free Night Award (redemption value up to 15,000 Marriott Bonvoy Points, valid one year) on payment of the joining fee, plus complimentary Marriott Bonvoy Silver Elite status and 10 Elite Night Credits.
Verified · HDFC Bank - Marriott Bonvoy benefits page · 2026-06-19 · source
Earn rates
8 Marriott Bonvoy Points per ₹150 at hotels participating in Marriott Bonvoy, 4 Points per ₹150 on travel, dining and entertainment, and 2 Points per ₹150 on all other eligible spends.
Verified · HDFC Bank - Marriott Bonvoy benefits page · 2026-06-19 · source
Lounge & forex
Lounge access
12 domestic and 12 international lounge visits per year (via the Diners Travel Tools app).
Verified · HDFC Bank - Marriott Bonvoy benefits page · 2026-06-19 · source
Forex markup
3.50% on all foreign currency transactions.
Verified · HDFC Bank - Marriott Bonvoy Fees and Charges · 2026-06-19 · source
Who it's for
Best for
- Marriott loyalists who stay at Bonvoy properties at least 1–2 times a year.
- Bonvoy members building Elite status — 10 free Elite Night Credits fast-track Gold.
- Travellers who want a self-paying hotel card alongside a general miles card.
Not ideal for
- Anyone who doesn't stay at Marriott properties — points and Free Nights have no value outside Bonvoy.
- Note the card runs on the Diners Club network, which has patchier acceptance than Visa/Mastercard.
Fees & charges
Interest-free period
20 to 50 days, depending on your statement cycle.
Verified · HDFC Bank - Marriott Bonvoy Fees and Charges · 2026-06-19 · source
Charge
- Finance charge of 3.75% per month (45% per annum) on revolving balances and cash advances.
- Cash advance fee of 2.5% of the amount withdrawn, minimum ₹500.
- Cross-currency markup of 1% on transactions made in Indian rupees at an international location or an overseas-registered merchant.
- A 1% fee, capped at ₹4,999 per transaction, applies to rent (from the second rental transaction each month), fuel above ₹15,000, utility spends above ₹50,000, and education paid through third-party apps.
- Railway-ticket purchases carry 1% + GST.
Verified · HDFC Bank - Marriott Bonvoy Fees and Charges · 2026-06-19 · source
Rewards
Reward cap
- Accelerated points are capped by monthly spend: 8X applies up to ₹10 lakh per month, 4X up to ₹5 lakh per month, and 2X up to ₹1.5 lakh per month.
- Spends above each threshold earn 2 Points per ₹150.
Verified · HDFC Bank - Marriott Bonvoy benefits page · 2026-06-19 · source
Redemption value
Points are credited to your Marriott Bonvoy account within 60 days and are redeemable for stays, dining and more at participating Marriott Bonvoy properties.
Verified · HDFC Bank - Marriott Bonvoy benefits page · 2026-06-19 · source
Reward exclusion
Verified · HDFC Bank - Marriott Bonvoy benefits page · 2026-06-19 · source
Milestone benefit
1 additional Free Night Award (up to 15,000 Marriott Bonvoy Points) on reaching ₹6 lakh, ₹9 lakh and ₹15 lakh of eligible spend in a card anniversary year - up to 3 extra free nights.
Verified · HDFC Bank - Marriott Bonvoy benefits page · 2026-06-19 · source
Travel & lifestyle
Protection
Insurance
Checked-in baggage delay or loss up to $250, loss of travel documents up to $250, flight delay up to $250, air accident cover up to $12,500, emergency medical expenses up to $18,750, credit shield up to ₹1,00,000, and loss-liability cover up to ₹1,00,000.
Verified · HDFC Bank - Marriott Bonvoy benefits page · 2026-06-19 · source
Eligibility
Eligibility
- Salaried: age 21-60 with gross monthly income above ₹1 lakh.
- Self-employed: age 21-65 with annual ITR above ₹15 lakh.
Verified · HDFC Bank - Marriott Bonvoy benefits page · 2026-06-19 · source
Official sources
Verified 2026-06-19 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.