Question 1

What is the annual fee on the Marriott Bonvoy HDFC Bank Credit Card and how do you get it waived?

Accepted Answer

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.

Question 2

What is the reward rate on the Marriott Bonvoy HDFC Bank Credit Card?

Accepted Answer

You earn 8 points per ₹150 on Non EMI Eligible Spends at hotels participating in Marriott and similar spends. Everything else earns 2 points per ₹150. Each point is worth about ₹0.25 when you redeem it well, so ₹10,000 of top category spend gives you 533 points, roughly ₹133, which is about 1.3% back. The accelerated rate stops after ₹10,00,000 of spend in a month. Fuel, Smart EMI / Dial an EMI, Wallet loads, Gift or Prepaid Card load earn nothing at all.

Question 3

Does the Marriott Bonvoy HDFC Bank Credit Card give free airport lounge access?

Accepted Answer

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.

Question 4

What changed on the Marriott Bonvoy HDFC Bank Credit Card recently and is it still worth it in 2026?

Accepted Answer

No card specific cut has been announced, though HDFC Bank has been trimming rewards across its portfolio. At ₹3L of yearly spend the card returns roughly ₹3,990 at its general rate of about 1.33%, against a ₹3,000 renewal fee. That clears the fee, but not by much, so it is worth keeping only while your spending stays in the accelerated category.

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Marriott Bonvoy HDFC Bank Credit Card

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