Visa 📡 Contactless NFC

Marriott Bonvoy HDFC Bank Credit Card

Joining Fee₹3,000

Annual Fee₹3,000

Forex Markup 3.5%

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⚖️ Card Verdict & Target Persona

Who Should Apply

Travelers and hotel loyalty enthusiasts seeking 1 free luxury hotel stay every year, 12 domestic + 12 international lounge visits, and direct Marriott Bonvoy point accumulation.

Who Should Avoid

Non-travelers, budget hotel stayers, or users seeking direct cashback.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

1 Free Night Award (up to 15,000 points value) at participating Marriott Bonvoy hotels worldwide + 10 Elite Night Credits + Silver Elite Status upon payment of joining fee

1 Free Night Award Annually

1 Free Night Award (worth up to 15,000 Marriott Bonvoy points) on payment of joining fee and on every annual renewal.

Marriott Silver Elite Status & 10 Elite Nights

Complimentary Marriott Bonvoy Silver Elite Status + 10 Elite Night Credits credited every calendar year.

12 Domestic & 12 International Lounge Access

12 complimentary domestic and 12 complimentary international airport lounge visits per calendar year (max 3 of each per quarter).

💰 Reward Structure & Point Valuation

1 Marriott Bonvoy Points = ₹0.7

Standard Base Earning

2 Marriott Bonvoy Points per ₹150 spent on all other retail transactions (1.33% return; 1 Point = ~₹0.60 to ₹0.80 for hotel stays)

Accelerated / Partner Rate

8 Marriott Bonvoy Points per ₹150 on direct spends at participating Marriott Bonvoy properties; 4 Marriott Bonvoy Points per ₹150 on Travel, Dining, and Entertainment (capped at ₹5L spend/month); Additional Free Night Awards on annual spends of ₹6L, ₹9L, and ₹15L

Points Validity:24 Months (extended with any earning/redemption activity)

Redemption Fee: ₹0 (Free)

Redemption Modes: Free Night Hotel Stays across 8,000+ Marriott Bonvoy Properties Worldwide, Transfer to 35+ Global Airline Frequent Flyer Programs (3:1 conversion ratio with 5,000 bonus miles on 60k points transfer)

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Rent Payments Government Transactions Jewellery Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits12 complimentary domestic airport lounge visits per calendar year (max 3 per quarter)

🌐

International Lounge Visits12 complimentary international airport lounge visits per calendar year (max 3 per quarter) via Priority Pass

⚠️

Spend Criteria: None (Unconditional complimentary access)

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹1,500,000/yr

Annual renewal fee of ₹3,000 + GST is waived off on spending ₹15,00,000 or more in the previous anniversary year; otherwise 1 Free Night Award is credited on renewal fee payment

UPI Payments Support✗ Not Supported

UPI not supported on Visa network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹100,000

Min. Credit Score750 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.60% per month (43.20% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,300

Official Bank Portal Application

Get the Marriott Bonvoy HDFC Bank Credit Card

Annual Fee: ₹3,000/yr (Waivable)

Apply Online Now →

Personalized Card Matcher

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Frequently Asked Questions

No, Marriott Bonvoy HDFC Bank Credit Card has a joining fee of ₹3000 and an annual renewal fee of ₹3000 (plus applicable taxes).

Marriott Bonvoy HDFC Bank Credit Card ₹3,000/yr