HDFC Marriott Bonvoy

Hotel-focused card for Marriott loyalists.

Apply on HDFC BankHDFC Read full review

You'll apply on HDFC Bank

Welcome

Paid card: 15K-point Free Night Award after activation condition

Status

Paid card: Silver Elite + 10 elite nights/year; LTF exceptions excluded

Lounge

12 India + 12 overseas/year, shared primary/add-ons

Earn

Up to 8 Marriott points per Rs 150

Milestones

Milestone Benefits at Rs 6L, Rs 9L and Rs 15L spends

Free Night Award

Silver Elite

24 lounge visits

Key Benefits

Earn points on categories such as insurance, gold, utility, car, education and marriage, along with milestone benefits, subject to merchant coding and HDFC Bank exclusions.

Free Night Awards

Paid card: 15,000-point Free Night Award after an eligible ₹500+ transaction within 90 days or fee levy, as specified by HDFC. Lifetime-free exceptions do not receive the standard welcome package Paid card: annual 15,000-point Free Night Award under the renewal terms; lifetime-free exceptions do not receive the standard annual package

Marriott status

Silver Elite plus 10 elite-night credits each year on qualifying paid cards; lifetime-free exceptions do not receive these standard benefits

Lounge access

12 visits within India and 12 outside India per year, shared across primary/add-on cards. International departures within India use the India quota

Milestone stays

Milestone Benefits at Rs 6L, Rs 9L and Rs 15L spends.

Golf privileges

2 complimentary golf games and 2 complimentary golf lessons every quarter.

HDFC Marriott Bonvoy: fees & key facts

HDFC Marriott Bonvoy credit card fees and key facts
Joining fee	Rs 3,000 + GST
Annual fee	Rs 3,000 + GST with no annual fee waiver
Welcome benefit	Paid card: 15,000-point Free Night Award after an eligible ₹500+ transaction within 90 days or fee levy, as specified by HDFC. Lifetime-free exceptions do not receive the standard welcome package
Renewal benefit	Paid card: annual 15,000-point Free Night Award under the renewal terms; lifetime-free exceptions do not receive the standard annual package
Marriott status	Silver Elite plus 10 elite-night credits each year on qualifying paid cards; lifetime-free exceptions do not receive these standard benefits
Rewards	8 Marriott Bonvoy points per Rs 150 on Marriott hotel spends; 4 points per Rs 150 on travel, dining and entertainment; 2 points per Rs 150 on other retail spends
Eligible categories	Earn points on categories such as insurance, gold, utility, car, education and marriage, along with milestone benefits, subject to merchant coding and HDFC Bank exclusions
Milestones	Additional Free Night Awards at Rs 6 lakh, Rs 9 lakh and Rs 15 lakh annual spends
Lounge access	12 visits within India and 12 outside India per year, shared across primary/add-on cards. International departures within India use the India quota
Golf	2 complimentary golf games and 2 complimentary golf lessons per quarter
Forex markup	3.5% + GST
Network	Diners Club International
Exclusions	No rewards on categories such as fuel, rent, wallet loads, EMI transactions, government payments and gift voucher purchases

Public issuer terms checked 3 October 2026.

HDFC Marriott Bonvoy product

Who should get it

The Marriott Bonvoy HDFC Bank Credit Card is a niche hotel card, not a general rewards workhorse. It makes sense when Marriott stays are already part of your travel pattern.

The card's value is concentrated in Free Night Awards, Silver Elite status, 10 elite night credits and lounge access. The everyday reward rate is average, but the hotel ecosystem benefits can justify the Rs 3,000 + GST annual fee for regular Marriott users.

Skip it if you want flexible cashback or airline miles. Pick it if you can use the welcome and renewal Free Night Awards, and if the milestone Free Night Awards at Rs 6L, Rs 9L and Rs 15L spends fit your annual spending pattern.

Reward exclusions

Transactions that do not earn Marriott Bonvoy points

Eligibility follows the merchant category code and transaction data received by the issuer, so the merchant name alone may not determine whether a transaction earns rewards.

EMI payments, fuel, rent and government payments
Wallets, gift cards, prepaid cards and vouchers
Cash advances, outstanding-balance payments, fees and non-spend charges
Education through third-party apps and online skill-based gaming

Insurance remains eligible without the generic HDFC insurance points cap. Direct education payments are distinct from payments through third-party apps.

Checked 3 October 2026HDFC Bank September 2026 terms HDFC Marriott card agreement

HDFC Marriott Bonvoy FAQs

What is the annual fee of the Marriott Bonvoy HDFC Bank Credit Card?

The joining fee and annual fee are Rs 3,000 plus GST, with no annual fee waiver.

What welcome benefit does the Marriott Bonvoy HDFC card offer?

Paid card: 15,000-point Free Night Award after an eligible ₹500+ transaction within 90 days or fee levy, as specified by HDFC. Lifetime-free exceptions do not receive the standard welcome package

Does the card include Marriott Bonvoy status?

Silver Elite plus 10 elite-night credits each year on qualifying paid cards; lifetime-free exceptions do not receive these standard benefits

How much lounge access does the Marriott Bonvoy HDFC card provide?

12 visits within India and 12 outside India per year, shared across primary/add-on cards. International departures within India use the India quota

Which categories can earn Marriott Bonvoy points?

Eligible transactions can earn points on categories such as insurance, gold, utility, car, education and marriage, along with milestone benefits. Merchant coding and HDFC Bank exclusions still apply, and categories such as fuel, rent, wallet loads, EMI transactions, government payments and gift voucher purchases do not earn points.

Who should get the Marriott Bonvoy HDFC Bank Credit Card?

It is best for frequent Marriott guests, travelers who prefer hotel rewards over cashback, and users who can actually redeem Free Night Awards. For broad everyday rewards, cashback or flexible transfer cards can be stronger.

Application links on this page may earn Book1A an incentive at no extra cost to you — see our affiliate disclosure.