Marriott Bonvoy HDFC Bank Credit Card
HDFC Bank · Diners Club · Premium card
The clear pick if you already stay at Marriott properties regularly: Bonvoy points and elite status compound value beyond the raw cashback-equivalent %.
Frequent Marriott/Bonvoy hotel guests who want elite status alongside their spending.
Terms checked 13 Sept 2026
- Annual fee
- ₹3,000 + GST
- Joining fee
- ₹3,000 + GST
- Base reward rate
- 0.7%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Travel & hotels | 1.3% |
| Dining & delivery | 1.3% |
| Entertainment & movies | 1.3% |
| Online shopping | 0.7% |
| Groceries & essentials | 0.7% |
| Bills & utilities | 0.7% |
| Subscriptions & streaming | 0.7% |
| Beauty & wellness | 0.7% |
| Offline store shopping | 0.7% |
| International spending | 0.7% |
| Insurance premiums | 0.7% |
| Education & family | 0.7% |
| Healthcare & pharmacy | 0.7% |
| Other miscellaneous | 0.7% |
| Gold & jewellery | 0.7% |
| Fuel & commute | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- No waiver recorded
- Monthly income requirement
- Approx. ₹1,00,000/month salaried · ₹1,25,000/month self-employed
Airport lounge access
12 domestic airport lounge visits per year • 12 international airport lounge visits per year
12 domestic airport lounge visits per year · Issuer card
Guest access: Not specified
Shared issuer allowance applies to primary and add-on cardholders.
12 international airport lounge visits per year · Priority Pass
Guest access: Chargeable
Shared issuer allowance applies to primary and add-on cardholders.
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 6 items
Participating Marriott hotel rewards
Usage-based value8 points per ₹150 requires an eligible charge by a participating Marriott hotel; after the monthly threshold the base rate applies but the calculator conservatively stops the accelerated rule.
Conditions: 8 points per ₹150 requires an eligible charge by a participating Marriott hotel; after the monthly threshold the base rate applies but the calculator conservatively stops the accelerated rule.
Travel, dining and entertainment rewards
Usage-based value4 points per ₹150 on eligible travel, dining and entertainment; after the monthly threshold the base rate applies but the calculator conservatively stops the accelerated rule.
Other eligible Bonvoy rewards
Usage-based value2 Bonvoy points per ₹150 on other eligible retail purchases.
Free Night Award up to 15,000 points on joining and renewal after the qualifying transaction or fee levy
Shown without a cash value8 Bonvoy points per ₹150 at participating Marriott hotels
Shown without a cash value4 points per ₹150 on eligible travel, dining and entertainment; 2 points per ₹150 elsewhere
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹3,000₹3,000 annual fee before applicable tax.
Joining fee
Cost ₹3,000₹3,000 one-time joining fee before applicable tax.
Welcome benefits · 3 items
Free Night Award up to 15,000 points
Recorded value ₹4,500Welcome Free Night Award, conservatively valued at 15,000 points × ₹0.30.
Conditions: Pay the applicable joining fee · Complete one ₹500 transaction within 90 days or meet the fee-levy condition · Not available on lifetime-free issuance
Marriott Bonvoy Silver Elite status
Shown without a cash valueComplimentary Silver Elite status in the welcome package.
Conditions: Meet the qualifying transaction or fee condition · Not available on lifetime-free issuance
10 Elite Night Credits
Shown without a cash valueTen Marriott Bonvoy Elite Night Credits in the welcome package.
Conditions: Meet the qualifying transaction or fee condition · Not available on lifetime-free issuance
Spend milestones · 3 items
Free Night Award at ₹6 lakh
Recorded value ₹4,500Redeemable up to 15,000 Bonvoy points; ₹4,500 is a conservative 15,000 × ₹0.30 valuation.
Conditions: Reach ₹6,00,000 per card anniversary year
Free Night Award at ₹9 lakh
Recorded value ₹4,500Redeemable up to 15,000 Bonvoy points; ₹4,500 is a conservative 15,000 × ₹0.30 valuation.
Conditions: Reach ₹9,00,000 per card anniversary year
Free Night Award at ₹15 lakh
Recorded value ₹4,500Redeemable up to 15,000 Bonvoy points; ₹4,500 is a conservative 15,000 × ₹0.30 valuation.
Conditions: Reach ₹15,00,000 per card anniversary year
Card tiers · 1 item
Silver Elite status and 10 Elite Night Credits on joining and renewal
Shown without a cash value
Airport lounge access · 2 items
Domestic lounge access
Usage-based value12 visits per year through Issuer card. Guest access: not specified. Shared issuer allowance applies to primary and add-on cardholders.
International lounge access
Usage-based value12 visits per year through Priority Pass. Guest access: chargeable. Shared issuer allowance applies to primary and add-on cardholders.
Golf · 1 item
Two golf lessons and two rounds per quarter
Shown without a cash value
Insurance and protection · 3 items
Travel covers for baggage delay/loss, document loss and flight delay up to USD 250 each
Shown without a cash valueAir-accident cover USD 12,500 and medical cover USD 18,750
Shown without a cash valueCredit shield up to ₹1 lakh and loss liability up to ₹9 lakh
Shown without a cash value
Concierge · 1 item
Concierge available from 9am to 9pm
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. Self-employed threshold is derived from the published ₹15 lakh annual income requirement.
Other benefits · 1 item
Three additional Free Night Awards at ₹6 lakh, ₹9 lakh and ₹15 lakh anniversary spend
Shown without a cash value
Other categories (6)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Fee waiver
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Dining
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Fuel benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Memberships
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ 8 Bonvoy points per ₹150 at participating Marriott hotels
- ✓ 4 points per ₹150 on eligible travel, dining and entertainment; 2 points per ₹150 elsewhere
- ✓ Silver Elite status, 10 Elite Night Credits and a Free Night Award on joining and renewal
- ✓ Three additional Free Night Awards at ₹6 lakh, ₹9 lakh and ₹15 lakh anniversary spend
What to watch
GainFair uses a conservative ₹0.50 per Bonvoy point and scores the generic 4-points-per-₹150 travel rate; the 8-point rate applies only when charged directly by participating Marriott properties.
Recorded exclusions
Fuel Commute · Rent · Wallet load · Gift cards · Prepaid cards · Vouchers · Government payments · Emi · Cash withdrawal · Fees charges
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026