CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
HDFC Bank

Marriott Bonvoy HDFC Credit Card

33
Ranked #70 of 170 in credit
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India's first hotel-branded credit card, offering Marriott Bonvoy Silver Elite status, Free Night Awards, and solid domestic lounge access, best suited for those who already stay at Marriott properties regularly.

Score breakdown

Data completeness: 100% · Last verified: 09 Jul 2026

Reward value16/100 · weight 71%
≈ 0.79% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.
No rewards on: fuel. Reward score is scaled by ×(1 − 0.7%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.
Fee efficiency76/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks73/100 · weight 9%

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: No standard spend-based waiver per most sources (one source cites Rs 3 lakh spend waiver - conflicting; verify current MITC); fee charged on 45th day post-issuance
Forex markup
3.5%

Lounge access

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

Reward structure

CategoryTypeRateCapNotes
travelpoints2.00%(8 pts @ ₹0.25)—On Marriott properties
diningpoints1.00%(4 pts @ ₹0.25)——
dining_offlinepoints1.35%(2.7 pts @ ₹0.50)₹5,00,000 / monthly4 Bonvoy pts/Rs 150 on travel/dining/entertainment, capped Rs 5L/month
all_spendspoints0.65%(1.3 pts @ ₹0.50)—2 Bonvoy pts/Rs 150 (~1.3% at Re 0.5/pt estimate) on general spends

Welcome offer

1 Free Night Award (up to 15,000 Marriott Bonvoy points) + 10 Elite Night Credits + Silver Elite Status, on Rs 500 spend within 90 days or fee levy

Milestone benefits

Pros

  • Complimentary Marriott Bonvoy Silver Elite status + 10 Elite Night Credits/year (normally requires 10 paid nights)
  • Free Night Award worth up to 15,000 points on signup
  • 12 domestic lounge visits/year
  • 2 golf lessons/quarter
  • comprehensive travel insurance
  • achievable Rs 6L milestone for 2nd Free Night Award

Cons

  • No fee waiver in most sources (fixed Rs 3,000/year cost)
  • reward rate modest (0.6-2% outside Marriott stays)
  • wide exclusion list (rent, fuel, wallet loads, government, EMI, gift vouchers)
  • points take up to 12 weeks to post to Marriott account
  • Diners Club network has weaker acceptance

What's inside

More benefits

  • Free Night Award

    ₹10,000

    1 free night stay at Marriott Bonvoy hotels, up to 15,000 points value

    Cap ₹10,000 / one-time. On Rs 500 spend within 90 days or fee levy; valid 12 months

  • Silver Elite status + Elite Night Credits

    ₹5,000

    Automatic Marriott Bonvoy Silver Elite status with 10 Elite Night Credits/year

    Cap ₹5,000 / yearly. On card activation, renews yearly

Insurance cover

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₹NaN

Eligibility

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Salaried min income Rs 1 lakh/month, self-employed ITR > Rs 15 lakh/annum

Small print

Redemption fee
₹0 / redemption
Fuel surcharge:Not a marketed feature; standard exclusion likely applies