Card Details
Marriott Bonvoy HDFC Bank Credit Card
Monzy Score
5.5/ 10
Decent for frequent travellers.
~2.0% back on top spends; high 3.5% forex markup.
Card Issuer
HDFC Bank
Joining Fee
₹3,000
Annual Fee
₹3,000
Reward Type
Reward Points
Card Access
Standard
Earn Points
8pts
/₹150 at Marriott Bonvoy Hotels (max ₹10L/Mo)
4 pts/₹150
Marriott Bonvoy points on Travel, Dining & Entertainment
2 pts/₹150
Marriott Bonvoy points on other eligible purchases
2 pts/₹150
Marriott Bonvoy points on other eligible spends
Benefits
8 Bonvoy pts/₹150 at Marriott hotels with elite…
- Hotel-focused rewards and elite privileges
- Earn 8 Marriott Bonvoy pts/₹150 on Marriott hotels up to ₹10L monthly spend
- Silver Elite status plus 10 Elite Night Credits every year
- Free Night Awards on joining, renewal and spend milestones worth 15,000 pts each
- Accelerated Marriott earn rate drops to 2 pts/₹150 after ₹10L monthly spend
- Extensive lounge coverage
- 12 complimentary domestic lounge visits across terminals in India
- 12 complimentary international lounge visits outside India
- Access available to primary and supplementary cardholders
12 International Lounge Visits/Year
- 12 Domestic Lounge Visits/Year
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, rent, wallet, emi, government, cash
Estimated Returns
Marriott hotels
8/150
₹800
Travel, Dining & Entertainment
4/150
₹0
Base / all other spends
2/150; grocery cap 1.5L/mo spend
₹0
Total Annual Return
₹9,594
2.67% Effective ROIWhat Users Are Saying
Community Feed
Jul 2025
“HDFC Marriott Bonvoy Credit Card worth it?”
by r/CreditCardsIndia, Jul 2025
“How about HDFC Marriott bonvoy credit card?”
by r/CreditCardsIndia, Jul 2025
“Amex trifecta + Marriott Bonvoy HDFC Bank Credit Card”
by r/CreditCardsIndia, Jul 2025
“Frustrated with HDFC Marriott Bonvoy CC”
by r/CreditCardsIndia, Jan 2026
“HDFC Marriott Bonvoy Credit Card - Free for the first year +”
by r/CreditCardsIndia, Jan 2026
Frequently Asked Questions
The Marriott Bonvoy HDFC Bank Credit Card charges ₹3,000 plus GST as a joining fee and the same ₹3,000 again at renewal. There is no spend based waiver on this card, so the ₹3,000 is a fixed yearly cost you pay regardless of how much you spend.
Things to Keep in Mind
The 8 points per ₹150 earn rate at Marriott properties is limited at ₹10,00,000 spend per month, dropping to 2 points thereafter.
The 4 points per ₹150 earn rate on Travel, Dining & Entertainment is limited at ₹5,00,000 spend per month, dropping to 2 points thereafter.
The 2 points per ₹150 earn rate on Groceries is limited at ₹1,50,000 spend per month, earning 0 points thereafter.
Welcome offer requires one minimum transaction of ₹500 within 90 days of card open date or on card fee levy
Free Night Award validity is 12 months and capped at 15,000-point redemption level
