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35
#91 of 173 in credit
HDFC Bank

Marriott Bonvoy HDFC Credit Card

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Co-branded Marriott hotel rewards card.

Score breakdown

Data completeness: 85% · Last verified: 06 Jul 2026

Reward value13/100 · weight 65%
0.64% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.
Fee efficiency76/100 · weight 11%
Redemption flexibility93/100 · weight 8%
Perks66/100 · weight 8%
Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
3,000 + 18% GST
= ₹3,540 total
Annual fee
3,000 + 18% GST
= ₹3,540 / year total
Waiver: Spend ₹10,00,000 in the anniversary year
Forex markup
2%

Lounge access

Domestic (per year)
12
International (per year)
12

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

CategoryTypeRateCapNotes
travelpoints2.00%(8 pts @ ₹0.25)On Marriott properties
diningpoints1.00%(4 pts @ ₹0.25)
all_spendspoints0.50%(2 pts @ ₹0.25)

Point value by redemption mode

1 reward point is worth different amounts depending on how you redeem — the headline reward % only holds at the best tier.

marriott bonvoy free night award1 RP = ₹1.00
flights/hotels/apple/tanishq vouchers via smartbuy1 RP = ₹1.00
airmiles conversion1 RP = ₹1.00
products and vouchers via netbanking/smartbuy1 RP = ₹0.50
cashback (statement credit)1 RP = ₹0.30

Welcome offer

1 Free Night Award (valued at 15,000 points), 10 Elite Night Credits, and Silver Elite Status on first transaction of Rs. 500 within 90 days or fee payment.

Milestone benefits

  • Spend ₹6,00,000 / yearly: 1 Free Night Award (up to 15,000 points)
  • Spend ₹9,00,000 / yearly: 1 Free Night Award (up to 15,000 points)
  • Spend ₹15,00,000 / yearly: 1 Free Night Award (up to 15,000 points)

Pros

  • Unlimited global lounge access
  • Complimentary golf
  • 24x7 concierge
  • High reward earnings
  • Low foreign currency markup

Cons

  • Strictly invite-only
  • Significant joining and renewal fees
  • Monthly caps on grocery, telecom, and utility reward points

Insurance cover

air accident
10,45,000
credit liability
1,00,000
purchase protection
9,00,000
overseas hospitalization
15,60,000

Eligibility

max age
65
min age
21
min annual income
₹15,00,000
min monthly income
₹1,00,000

Small print

Redemption fee
0 / redemption
Fuel surcharge:1% fuel surcharge waiver on transactions between ₹400 and ₹1,00,000, capped at ₹1,000 per statement cycle.