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Marriott Bonvoy HDFC Credit Card

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HDFC Bank

Marriott Bonvoy HDFC Credit Card

Travel

Lounge Access

3.0/5.0

Paisabazaar Review

1^st Year Fee: ₹3,000* Plus Applicable Taxes

Hotel Benefits

Marriott Bonvoy Silver Elite Status

Rewards

Up to 8 Marriott Bonvoy Points on your spends

Lounge Access

Up to 24 free lounge visits in a year

Updated on November 27, 2025 11:51 am

Author: Rupanshi Thapa

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About The Card Rewards & Welcome Benefits Other Features & Benefits Fees & Charges Things to Know Card Review FAQs

About Marriott Bonvoy HDFC Credit Card

Marriott Bonvoy HDFC Bank Credit Card is India’s first credit card co-branded with a hotel chain. Offering multiple benefits across Marriott properties worldwide, this card is ideal for Marriott loyalists.

Cardholders will be rewarded with Marriott Bonvoy Points on their spends, which can be used to avail travel services and to book stays at participating luxury hotels, such as St. Regis, JW Marriott, Le Méridien and Sheraton, and others. Complimentary Marriott Bonvoy Silver Elite Status, domestic and international lounge visits and Free Night Awards as milestone benefits further enhance the card’s value for travellers. Currently, this card is available on the Diners Club network. Read on to know more about its features, followed by a review.

Welcome Benefits and Rewards Program

Welcome and Renewal Benefits

1 Free Night Award (up to a value of 15,000 Marriott Bonvoy Points) on making the first eligible transaction¹ or on levy of joining fee
Complimentary Marriott Bonvoy Silver Elite Status for free (otherwise offered on completing 10 nights a year at Marriott hotels)
10 Elite Night Credits (that can be used for room and membership upgrade) under the Marriott Bonvoy Program for primary cardholder

Reward Points

8 Marriott Bonvoy Points per Rs. 150 spent at hotels participating in Marriott Bonvoy¹
4 Marriott Bonvoy Points per Rs. 150 spent on travel, dining & entertainment
2 Marriott Bonvoy Points per Rs. 150 spent on all other applicable purchases³

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Other Features and Benefits

Along with hotel benefits extended in the form of reward points and welcome bonus, Marriott Bonvoy HDFC Credit Card also offers some other privileges, as mentioned below:

Lounge Access

12 complimentary lounge access every year outside India
12 complimentary lounge access every year, within India at both domestic and international terminals

Milestone Benefits

On reaching certain spending thresholds, cardholders get the following benefits:

1 Free Night Award on spending 6 lakh in an anniversary year
1 Free Night Award on spending Rs. 9 lakh in an anniversary year
1 Free Night Award on spending Rs. 15 lakh in an anniversary year

Milestone benefit and complimentary lounge access are two other solid benefits on this hotel credit card. In the same fee range, other cards like HDFC Regalia Gold and SBI Card Prime offer a lesser number of complimentary visits. Similar to the card activation benefits, the milestone benefits are also limited to Marriott hotel bookings. However, due to these restricted co-branded features and not many benefits in other categories, the milestones may be difficult to meet for most consumers who own other good credit cards. Only those who travel frequently and stay at Marriott properties several times a year, may be able to make the most of the milestone benefits. Otherwise, the bar for milestone benefits is set too high for the average spender.

Fees and Charges

Particulars

Amount

Joining Fee

Rs. 3,000 + Taxes

Annual Fee

Rs. 3,000 + Taxes

Finance Charges

3.75% p.m. (45% p.a.)

Cash Withdrawal Fee

2.5% of amount withdrawn or Rs. 500 whichever is higher

Late Payment Charges

For Statement Balance:
Up to Rs. 100:	Nil
Rs. 101 to Rs. 500:	Rs. 100
Rs. 501 to Rs. 1,000:	Rs. 500
Rs. 1,001 to Rs. 5,000:	Rs. 600
Rs. 5,001 to Rs. 10,000:	Rs. 750
Rs. 10,001 to Rs. 25,000:	Rs. 900
Rs. 25,001 to Rs. 50,000:	Rs. 1,100
More than Rs. 50,000:	Rs. 1,300

How much can you save with Marriott Bonvoy HDFC Card?

To help readers understand how much they can save with the Marriott Bonvoy Card, let us take the example where the user spends Rs. 1.25 Lakh in a month (Rs. 15 Lakh in a year), divided among the following categories:

Category	Amount (in INR)	Marriott Bonvoy Points
Flight Booking	25,000	667
Hotel Stay (at Marriott)	40,000	2,133
Dining and Food Delivery	10,000	267
Movie Tickets	5,000	133
Apparel & Accessories Purchase	15,000	200
Groceries	20,000	267
Fuel	10,000	0
Total	Rs. 1,25,000	3,667 MB Points

Considering the average earning of 3,500 MB Points in a month, the cardholder will be able to earn 42,000 MB Points in a year. Now, for example, if one night stay at Westin Hotels* is valued at 15,000 MB Points, they will be able to get 3 free stays, by adding a minimal amount to cover the difference of 3,000 MB Points.

Along with this, as the user reaches the milestones of Rs. 6 Lakh, Rs. 9 Lakh and Rs. 15 Lakh in a year, they would also get 3 free night awards at the participating hotels. They would also get 1 free night award as joining bonus.

In all, the cardholder will be able to get up to 7 free stays at Westin Hotels.

*Note: The above values are for illustration purpose only. Actual cost of stay will vary as per the hotel type, location, date and several other factors.

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Things to Know Before you apply

Get this card if:

You prefer Marriott and other participating hotels in Marriott Bonvoy for hotel stays

You want luxury hotel benefits at a comparatively affordable fee of Rs. 3,000

You wish to avail lounge access within and outside India

You own other credit cards with additional travel benefits like low forex mark-up, offers with other premium hotels, etc.

Eligibility Criteria

Occupation: Salaried or Self-employed

Age: 21 to 60 years (65 years for self-employed)

Minimum Income for Salaried Applicants: Rs. 1 Lakh per month

Minimum Income for Self-employed Applicants: Rs. 15 Lakh per annum

Paisabazaar Review

Overall Rating

3.0_/5

Travel3.0_/5

Welcome Benefits3.0_/5

Lifestyle Benefits2.5_/5

Co-branded Benefits4.0_/5

What do we like about this card?

The Marriott Bonvoy HDFC Credit Card is a good choice for travellers who prefer staying at Marriott properties. It offers rewards and milestone benefits in the form of Marriott Bonvoy Points or Free Night Awards at participating properties. The welcome and renewal benefits are tailored to enhance the Marriott experience, solidifying its position as a co-branded hotel credit card. Frequent travelers can maximize value, with perks like the Free Night Award, which can be used for stays at high-end properties, such as Fairfield by Marriott in Goa (worth around ₹10,000* per night), either for free or at a nominal cost. Additional benefits include complimentary lounge access and comprehensive travel insurance, making it a strong contender among other travel credit cards.

Pros

Exclusive privileges on Marriott hotel bookings
Access to both international and domestic airport lounges
Complimentary Marriott Bonvoy Silver Elite Status
Free Night Stays at Marriott as welcome and milestone benefits

Cons

No general travel benefits
Features are limited to co-branded hotel bookings
Base reward rate is low
No Priority Pass membership

Conclusion

As a co-branded credit card, the Marriott Bonvoy HDFC Card is tailored primarily for Marriott loyalists. For those seeking broader travel benefits, such as memberships or discounts across multiple hotel chains, premium cards like the Axis Reserve or American Express Platinum (Charge) Card could be a better alternative. Additionally, mid-range cards offered by travel portals like MakeMyTrip, EaseMyTrip, and Ixigo can provide excellent value on hotel bookings through their platforms, making them a viable alternative for travellers who do not wish to pay a high annual fee.

Frequently Asked Questions

Everything you need to know about this credit card

What is the benefit of Marriott Bonvoy Silver Elite Status?

Silver Elite is the base membership of the Marriott Bonvoy Loyalty Program. Members get 10% more points on every eligible hotel stay booking, member-only room rates, and other benefits like priority late checkout, complimentary in-room internet access, etc. Though this membership is offered on completing 10 nights per year at participating hotels, you get it complimentary with the Marriott Bonvoy HDFC Bank Credit Card.

Is HDFC Marriott Bonvoy Credit Card worth it?

Since it is a co-branded card, it is perfect for travellers who prefer staying at Marriott Properties. However, consumers who do not wish to limit their benefits to Marriott should consider cards that extend benefits with multiple hotel chains like Axis Reserve or American Express Platinum (Charge) Card.

How can I redeem Marriott Bonvoy Points? What is the value for each point?

Marriott Bonvoy Points can be used to book a stay at select Marriott Properties that are a part of Marriott Bonvoy and Marriott Bonvoy Moments™ experiences. The value you get out of your accumulated MB Points will vary as per the hotel, type of room, booking date, etc.

What are Free Night Awards? How to use them?

Free Night Awards can be considered as free stay vouchers which can be redeemed at the time of booking your stay with participating Marriott properties. If you have Free Night Awards in your Marriott Bonvoy account, it will be preselected at the time of making a booking. You can also combine up to 15,000 MB Points to save more.

Are there any terms and conditions associated with this credit card’s lounge access benefit?

No. there are no spend-based conditions applicable to the lounge access benefit.

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Footnotes

Wallet reloads and EMIs will not be considered for first spend transaction.
Maximum eligible spends for earning accelerated reward points at participating Marriott Bonvoy Hotels are capped at Rs. 10 Lakh per month.
Maximum eligible spends for earning accelerated reward points on travel, dining and entertainment are capped at Rs. 5 Lakh per month.
Fuel, Smart EMI / Dial an EMI transaction, Wallet loads / Gift or Prepaid Card load/ Voucher purchase, Cash Advances, Payment of Outstanding Balances, Payment of card fees and other charges, Government related transactions & Rental transactions will not be eligible for reward point earning.

Rupanshi Thapa

Content Writer

Rupanshi is a personal finance writer, specializing in credit cards and consumer finance. Her work is committed to helping readers navigate the complex world of credit with confidence– whether they are selecting the right credit card, optimizings rewards, managing debt, or improving their financial well-being. Through her detailed insights and actionable advice, she guides readers towards smarter financial choices.

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