HDFC Bank
Marriott Bonvoy HDFC Bank Credit Card
Data last verified: 11 October 2026
- Joining fee₹3,000 + GST
- Annual fee₹3,000 + GST
- Reward rate0.8% base, up to 1.6% on dining
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹3,000 + GST
- Annual fee₹3,000 + GST
- Forex markup3.5%
- Interest (APR)3.6% a month, 43.2% a year
This co-branded card earns Marriott Bonvoy points. You get 8 points per Rs 150 at participating Marriott hotels, 4 per Rs 150 on travel, dining and entertainment, and a lower rate on everything else, worth about 0.8% in value. On joining you get one Free Night Award worth up to 15,000 Bonvoy points and Silver Elite status.
The fee is ₹3,000 a year and there is no spend-based waiver, so you pay it every year. The free night alone can be worth more than the fee if you use it at a good Marriott property.
It suits people who stay at Marriott hotels a few times a year. The 12 domestic and 12 international lounge visits come with no spend condition. The catch is that points only make sense inside the Marriott programme. If you never stay at Marriott, a regular rewards card will serve you better.
Best for: Regular Marriott hotel guests, Travellers who value hotel status, Frequent flyers who want lounge access.
01Marriott Bonvoy HDFC Bank Credit Card Rewards and Benefits
02Marriott Bonvoy HDFC Bank Credit Card Annual Fee and Charges
- Joining fee
- ₹3,000 + GST
- Annual fee
- ₹3,000 + GST
- Spend-based waiver
- None
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.6% a month (43.2% a year)
- Fuel surcharge waiver
- No
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on dining and food delivery, earning 1.6%₹80
- ₹15,000 on everything else, earning 0.8%₹120
- Back each month, ₹2,400 a year₹200
- Annual fee with 18% GST−₹3,540
- It costs you each year₹1,140
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Dining: 1.6% back
- Travel: 1.6% back
- Flyers: 24 airport lounge visits a year
Skip it if…
- you spend less than ₹37,000 a month: below that the ₹3,540 fee costs more than the rewards
- most of your spending is fuel, rent, wallet top-ups or government payments: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on dining or travel: the 1.6% rate applies only there, everything else earns 0.8%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.6% a month (43.2% a year) outweighs any reward
04Product Details
- Joining and annual fee: ₹3,000, no spend-based waiver
- 8 Bonvoy points per ₹150 at participating Marriott hotels
- 4 Bonvoy points per ₹150 on travel, dining and entertainment
- Free Night Award worth up to 15,000 points on joining
- Complimentary Marriott Bonvoy Silver Elite status
- 12 domestic and 12 international lounge visits a year, no spend condition
- Golf benefits included
05Pros and Cons
Pros
- Free Night Award can cover the fee on its own
- Silver Elite status from day one
- 24 lounge visits a year with no spend condition
- Higher earn on travel and dining
Cons
- Fee is charged every year with no waiver
- Points are only useful within Marriott Bonvoy
- About 0.8% back on everyday spends
- Grocery rewards are capped each month
06How Marriott Bonvoy HDFC Bank Credit Card earns Rewards
0.8% base, up to 1.6% on dining.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 0.8% | No cap | The card's normal rate |
| Dining and food delivery | 1.6% | No cap | All merchants in the categoryTerms: 4 Marriott Bonvoy points per ₹150 on travel, dining and entertainment |
| Groceries | 0.8% | ₹1,200 | All merchants in the categoryTerms: 2 points per ₹150 on grocery, but earning stops above ₹1.5 lakh of grocery spend in a month |
| Travel: flights, hotels, trains | 1.6% | No cap | All merchants in the categoryTerms: 4 points per ₹150 on general travel, dining and entertainment (point ≈ ₹0.60). Stays at participating Marriott Bonvoy hotels earn double that instead, and do not also earn this row's 4. HDFC caps the hotel rate at ₹10 lakh of spend a month and this rate at ₹5 lakh a month. |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 0.8% | No cap | The card's normal rate |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | 0.8% | No cap | The card's normal rate |
| School and college fees | 0.8% | No cap | The card's normal rate |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 0.8% | No cap | The card's normal rate |
| Everything else | 0.8% | No cap | The card's normal rate |
Terms on the base rate. 2 Marriott Bonvoy points per ₹150 on all other eligible spends
Point value. 1 point is worth about ₹0.6 at the bank's stated value.
07Marriott Bonvoy HDFC Bank Credit Card Lounge Access and Travel
Domestic lounge access is 12 visits a year, international is 12 visits a year. 12 domestic and 12 international airport lounge visits a year, with no spend condition. Spending abroad carries a 3.5% forex markup; rewards on it: 0.8% back (the normal rate). See what it costs on your trip
Also on the card. concierge service, golf privileges, hotel membership, airport lounge access, milestone bonuses.
- Concierge service: 24x7 concierge services for travel, dining and lifestyle
- Golf privileges: 2 complimentary golf course accesses and 2 golf lessons per quarter, at courses across the world
- Hotel membership: Complimentary Marriott Bonvoy Silver Elite status, 10 Elite Night Credits a year, and a renewal Free Night Award redeemable at or under 15,000 points, valid 12 months, not transferable
- Milestone bonuses: A fourth Free Night Award (up to 15,000 points) on ₹15 lakh of eligible spend
- Milestone bonuses: A further Free Night Award (up to 15,000 points) on ₹9 lakh of eligible spend
- Milestone bonuses: An additional Free Night Award (up to 15,000 points) on ₹6 lakh of eligible spend in an anniversary year. Qualifying spend excludes fuel, wallet reloads and rent; each award is valid 12 months and cannot be transferred or gifted.
08Marriott Bonvoy HDFC Bank Credit Card Eligibility and Documents
- Age
- 21 to 60 years
- Employment
- Salaried or self-employed
- Minimum monthly income
- ₹1,00,000
Documents. PAN card Aadhaar / address proof Income proof (salary slips or ITR)
09Recent Changes
What HDFC Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 15 May 2026 | Reduced: Dynamic currency conversion markup raised to 1.75%Source: HDFC Bank | 1% markup | 1.75% markup |
| 12 Mar 2026 | Changed: Free Night Award top-up limit raised to 25,000 pointsSource: HDFC Bank | Top up a Free Night certificate with up to 15,000 points | Top up a Free Night certificate with up to 25,000 points |
| 1 Jul 2025 | Reduced: 1% fee added on rent, wallet loads and online gamingSource: HDFC Bank | No category surcharge on rent, wallet loads or gaming | 1% on rent (cap ₹4,999 per transaction); 1% on wallet loads and on online skill-based gaming above ₹10,000 a calendar month (cap ₹4,999 a month) |
| 1 Jul 2025 | Reduced: 1% fee on utilities above Rs 50,000 and on third-party education paymentsSource: HDFC Bank | No surcharge on utility or education payments | 1% on utility spends above ₹50,000 a calendar month (cap ₹4,999 a month); 1% on education paid through third-party apps |
| 1 Jul 2025 | Reduced: Insurance reward points capped, online gaming stops earningSource: HDFC Bank | Insurance uncapped on most cards; online skill-based gaming earned points | Insurance capped at 2,000 reward points a month (5,000 on Diners Black, 10,000 on Infinia); online skill-based gaming earns nothing |
See this card's change history → · All card changes in May 2026 →
10Cards Similar to Marriott Bonvoy HDFC Bank Credit Card
Marriott Bonvoy HDFC Bank Credit Card is a dining card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | Marriott Bonvoy HDFC Bank Credit Card |  HSBC Live Plus Credit Card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | ₹3,000 + GST | ₹999 + GST | ₹499 + GST |
| Annual fee | ₹3,000 + GST | ₹999 + GST | ₹499 + GST |
| Rewards | 0.8% base, up to 1.6% on dining | 1.5% base, up to 10% on dining | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | 12 visits a year | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Dining | Dining | Fuel |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
Is the ₹3,000 fee waived?
No. There is no spend-based waiver, so the fee plus GST is charged each year.
What is the welcome benefit?
One Free Night Award worth up to 15,000 Bonvoy points at participating Marriott hotels, valid for a year.
Do lounge visits need any spend?
No. You get 12 domestic and 12 international visits a year without a spend condition.
Who can apply?
Applicants aged 21 to 60 with a monthly income of about ₹1 lakh.
What is the joining fee for the Marriott Bonvoy HDFC Bank Credit Card?
The joining fee is ₹3,000 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the Marriott Bonvoy HDFC Bank Credit Card?
The annual fee is ₹3,000 + GST.
Does the Marriott Bonvoy HDFC Bank Credit Card give airport lounge access?
Yes. Domestic lounge access is 12 visits a year, international is 12 visits a year. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with HDFC Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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