Marriott Bonvoy HDFC Bank Credit Card
The Marriott Bonvoy HDFC Bank Credit Card is the dedicated card for Marriott loyalists in India.
Online Shopping Fit Score
84/100
Joining Fee
₹3,000
Annual Fee
₹3,000
Reward Rate (%)
1 – 8
1.33 pts/₹100 · ₹0.75/pt
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
35/35
Fee Value & ROI
18/25
Lounge & Perks
18/20
Forex & Access
8/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
Marriott Bonvoy HDFC Bank Credit Card Benefits
Marriott Bonvoy HDFC Bank Credit Card Rewards
How you earn back on every swipe
points
Reward type
1% – 8%
Earn rate
1.33
Points / ₹100
₹0.75
Per point
Marriott Bonvoy HDFC Bank Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
Marriott Bonvoy HDFC Bank Credit Card Lounge Access
Airport perks included with this card
3 per quarter
Domestic lounge visits
12 per year
International lounge visits
Priority Pass
Included with this card
Things to Keep in Mind
- No Bonvoy points on fuel, rent, wallet loading, government transactions, EMI
- Free night certificate subject to availability and Marriott T&C
- No Bonvoy points on fuel, rent, wallet loading, government transactions, EMI
- Free night certificate subject to availability and Marriott T&C
Card Features
Annual Fee: ₹3,000
This card carries a fixed annual fee of ₹3,000. At ~1% estimated return, spending approximately ₹25,000/mo earns enough rewards to fully offset the annual fee.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Marriott Bonvoy HDFC Bank Credit Card Eligibility
Employment type
Pros & Cons
- Annual fee ₹3,000 — see bank site for waivers.
- Up to 3 domestic lounge visits per quarter (when included).
- Up to 12 international lounge visits per year (when included).
- Priority Pass where bundled with the card.
- Best for: Marriott hotel loyalists — earn Bonvoy points + complimentary night
- Frequent Marriott guests who want to accelerate their Bonvoy point accumulation, maintain Silver Elite status, and receive…
- The Marriott Bonvoy HDFC Bank Credit Card is the dedicated card for Marriott loyalists in India.
- It earns 8 Marriott Bonvoy points per ₹150 at Marriott properties and 4 Bonvoy points on all other spends.
- No Bonvoy points on fuel, rent, wallet loading, government transactions, EMI
- Free night certificate subject to availability and Marriott T&C
- High revolving APR — up to ~42% p.a. on balances.
- ~3.5% forex markup on international spends.
- Annual fee ₹3,000 with no waiver milestone in our data — verify on bank site.
Who is this card for?
Frequent Marriott guests who want to accelerate their Bonvoy point accumulation, maintain Silver Elite status, and receive a complimentary night stay annually.
Quick Links
Data last updated 6 Aug 2026
Calculate your exact earnings with Marriott Bonvoy HDFC Bank Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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