Hotels and travel
Marriott Bonvoy HDFC Bank Credit Card
A hotel card for Marriott fans: a free night every year, Silver Elite status, Marriott Bonvoy points on every spend and 24 lounge visits a year.
Joining fee₹3,000 + GST
Annual fee₹3,000 + GST
Fee waiverNone
Top reward8 Bonvoy points per ₹150 at Marriott
Lounge12 domestic + 12 international
Forex markup3.5%
Best for: Travellers who stay at Marriott group hotels (JW Marriott, Westin, Courtyard and others) a few times a year.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Marriott hotels | 8 Bonvoy points per ₹150 | Up to ₹10 lakh spend a month |
| Travel, dining, entertainment | 4 Bonvoy points per ₹150 | Up to ₹5 lakh spend a month |
| Other spends | 2 Bonvoy points per ₹150 | – |
| Fuel, rent, wallet loads, government, gaming, EMI | Nothing | – |
- Points go straight into your Marriott Bonvoy account.
- Use them for hotel nights at Marriott properties worldwide.
Benefits
Welcome benefit
- A Free Night Award (up to 15,000 points) on joining and on each renewal.
Milestones
- Extra Free Night Award at ₹6 lakh, ₹9 lakh and ₹15 lakh yearly spend.
Travel and lounges
- 12 domestic and 12 international lounge visits a year, no spend condition.
- Complimentary Marriott Bonvoy Silver Elite status and 10 Elite Night Credits a year.
Fuel and forex
- Forex markup 3.5%.
- Fuel earns nothing.
Other perks
- 2 golf rounds and 2 lessons a quarter
- 24×7 concierge
Fees and charges
| Joining fee | ₹3,000 + GST (₹3,540) |
|---|---|
| Annual fee | ₹3,000 + GST, no spend waiver |
| Interest | 3.6% a month |
| Forex markup | 3.5% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Salaried: age 21 to 60, about ₹1 lakh a month
- Self-employed: age 21 to 65
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- A free night each year can be worth more than the fee
- Generous lounge access with no spend rule
- Elite status and night credits
Watch out for
- No way to waive the annual fee
- High 3.5% forex markup
- Only useful if you stay at Marriott hotels
Recent changes
- 12 Mar 2026Free Night Award top-up limit raised to 25,000 points by Marriott Bonvoy.
- 15 May 2026Currency conversion fee on rupee payments abroad raised to 1.75%.
Frequently asked questions
Is the Marriott Bonvoy HDFC card worth ₹3,000?
If you use the yearly Free Night Award, it is usually worth around ₹9,000, so the card more than pays for itself.
Does it include lounge access abroad?
Yes, 12 international and 12 domestic visits a year.
Ready to apply for the Marriott Bonvoy HDFC Bank Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.